However, because some managers in the top divisions have hoarded so much cash, it makes it impossible to catch up to them.
I finally got time to read the whole post carefully
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You nicely pointed out some issues BB has to deal with and offered some nice suggestions.
However I don't believe that your ideas on hoarding are that effective, they are more a punishment for teams that have been successful. As I recently rejoined BB and got promoted to Div. II the gap between me and older teams is way big. I don't stand a chance (probably will be an elevator team) But still, taking away money from other teams seems too harsh, because let's face it: there are just not a lot of things experienced managers could spend their money on. Their stadiums are already build as attendances for games is capped, if they spend too much on salaries they'll get an overextension tax.. They can only spend a lot on buying players and staff and those don't need to be changed that often.
Why not work with a limit on the budget they can spend? Let's say if a team reaches 15 million, all the extra budget would build up as a reserve. If they drop below 15, they would get X% of their reserve each week until they get back to 15. So they can buy a new team but then te next season they won't be able to invest that much. All the money they've earned would not be "stolen" from them. I think this would not upset that many users.
This is just a raw draft proposal, a lot of details would need to be sorted out e.g. the percentage rate, what to do with overextension tax etc. But it's a new starting point for a further discussion ;)