why should i receive a player under a term instead of fully buying him? the system should have a different kind of transaction despite of the simple selling-buyng system.
anyway if I just pay a cheater could be payed for loads of his player, get all the money and receive back the player 1 year later, keeping the money, and this kind of cheat would be really common I ensure you.
if there wasn't a buying selling system but a simple exchange system things would be easier for cheater. in bb global juicepats and bbcharles explaind this many times.
the best way to improve is to create a well balanced team. you play in first division, you should not have budget problems if you manage wisely your economy!