After all their money is gone and they start losing games or losing cash fast because they're in D.5 with a 60k C
And now, we should think, why is this happening. To build up a 7 player roster with 6-25k salary, we need... ~700k if we are talking about a 1-2 season project, when we're buying 34-37 year old gramps:). If we are talking about younger players, the sum that we need goes up 2x or even 3x. And in the same time, 50k+ players are waaay cheaper, because Utopia still can't afford them. And what would you pay for as a newbie, who yet doesn't know his financial situacion - a 50k guy with higher skills for 100k or 15k guy with lower skills for 250k?
So, to build up a team, that would last more than a season, we need about 1M+arena expansions. How can a rookie get such money in short period? Only if he's lucky in the draft lotery. So, he has to wait... And in my opinion this is a term, that only 1/5 of new users are able to accept.
So, to sum up, Utopia made the V, IV (leages where new players are given birth) players really expensive, when comparing to the money, given for a rookie. Because of this problem, newbies go bankrupt or simply stop playing the game, because their finances get f*cked up.
I don't know is this problem is fixable, so these were only my thoughts.