Then welcome to the club 😎
In my view there is nothing wrong in deciding to completely rebuild your team and focus on training young players to one day have a competitive team again. I think it is also rewarding to shape players and see the team improve step by step. What I think the game should try to limit is managers who decide to go on hibernation mode and one day when they want to come back they find 25M in the bank and can build a +1 million team within few days. Now, how to do this is another, difficult, question.