Right, I guess you're absolutely right about that. But if I get promoted to div I, what should I be doing? still invest most of money on arena or save it and buy skillful players?
i don't checked the complette rosters division I of India, but the 5th placed team of the left side "kings of BB" has a comparable roster then yours besides his one 70k center, and he won't relegate.
So i don't think that you have to give up the season to tank, and try to stay in league it is not impossible and lot more fun then just to train.
So my advices are, get some older skilled player(you get quite solid ones for 500k), from your promotion bonus(maybe even you could sell two of your older trainees, to get a third one) and you have a rotation who could at least won the homegames. Maybe you will still relegate but you will earn money, and have the fun of close matches.