You can't both promote and get good draft pick, it was you're choice..
Man, I can't promote, period. I'll try my best to win the title, though. And hope the best for the draft. :-)
On the other hand some clubs are too weak to promote and yet too strong to relegate through play - out game..Explain me in all your wisdom why I should not be 6th rather then 5th and receive money, training, and better draft pick?
By all means finish 6th if your situation is as you describe.
Getting to participate in the playoffs is a big deal for many regardless of the financial effects it may have. Of course, some consider a higher draft pick more valuable than a one-game playoff experience and therefore rather finish lower. No problem, they can do it. Fifth place deprives you of one game (!) but guarantees you at least one more season in your current league. Sixth place is not necessarily too bad, but it's already a gamble. Naturally there are teams that can march into the relegation knowing they will win, but for a majority of the teams it's not a sure win. Half of them will lose, every single time. (And what if you face that other guy who felt like you and gave up on the playoff spot for the higher draft pick?)
The lowest (human) league level is a special case where the 6th, 7th, and 8th place finishes really are better than the 5th place finish. Due to the pyramid structure, it's a special case that affects surprisingly many teams. However, since we're basically discussing tools for success, it's not that important for most teams. (I mean, how many seasons does a team that worries about their success and some individual training losses spend at the bottom of the system anyway?) If there's no chance to make the playoffs and win the title, it may be better to lose some games and possibly some money at the gate and get the extra training (compared to 5th place) plus the better draft pick. Personally, I'd rather go for the title, if there was any real chance.