The fan survey is an issue.
But if you punish teams that loses, you would also punish teams that want to fight, have relatively high salaries and still finish last with record for example 7-15. What about teams that can't actually afford high levels of doctors (for example me) and have relatively have high salaries and constantly have lots of injuries and loses because of that. Punishing forfeits maybe smart at first glance, but I've seen teams that uses forfeits in the second finals game so they don't get injuries in the third, so it's a good strategy not tanking. What you are proposing about punishing teams because they are losing, I think will only make a lot of unnecessary constrains on other teams, that don't make profit from losing.
What you're talking about is not punishing people for no reason. In fact, it's not punishment at all. It is a part of competition. If you make bad decisions, you lose out financially. If a team has a very high salary roster, and they lose, there is a reason for that: some form of tactic, whether it is to do with the game engine, or it is something else to do with the way they manage their team.
I, and many others, would prefer to lose money and BB prowess from messing up tactics or managing badly than being part of the group who doesn't tank.
The other thing you mention, about injuries, is luck. That is part of everything we do, including this game. The trick is to minimise the possibilities of for negative results.