Problem is, nowadays, you need 5 M for a player (a really good, world-class ot NT-worthy, that isn't 33 years old already). Players were too cheap some seasons ago, and that didn't make sense for anyone to start training players (it requires a coach, dedication, maybe sacrifice results in order to properly train).
Now this is the contrary : even with training your own players, you need 15 M to fill in the remaining 3 slots only to have a decent starting 5. You tell me : you buy high but also resell high. That is only partially true, since you sell older players and to have to re-buy a new one behind ...
I don't find it healthy when teams dedicated to training can't even buy missing players.