If you are in debt, your players will still be there on Tuesday and you'll have money to bought players before saturday, even shitty ones.
i know team who was still in debt, and had to tank 1-2 weeks before they could buy shitty players. Also thursday would be cup, ok there is no visitor income but wo should be bad there, too?
About forgetting one time, okay, we can give one free pass, then after never ever you'll be allowed to forget it or cheat the system.
forgetting one time, is mostly the intentionel one. So you would just get the dudes, who wants to bancrupt there team, so that it get deleted faster(which means actually more forfeits).