Perhaps someone somewhere has done a study of just exactly what percentage you lose depending on exactly how many transfers you make in how many days. Those people who care enough to figure out exactly what the numbers are have done so through research and/or searching the forums. If it is not good enough for you to know that if you buy and sell lots of players in a short period of time, then my suggestion is to A) do some math
search the forums or C) use the Help forums. You bought and/or sold 10 players yesterday alone. This is called daytrading and it is a practice that, while allowed, comes with some major penalties. I believe If you have read the rules you will find that the BB's give exact information for almost nothing. It is up to the user to figure things out. This is a big part of the enjoyment and interest of the game, using your brain instead of being spoon-fed instructions.
Certainly the game favors experienced players, like in real life. I have a feeling that the Lakers could take my nephew's 4th grade basketball team. It does not allow for instant meteoric rise to the top of the heap. You have to rise through the ranks. The competition around you should be of a similar skill level and age (in terms of the joining the game). Before they imposed the taxes and fees for daytrading the game was not about who had been here and built a team but who had played a stock market game with the TL. Enough people thought that that style of game sucked, so they changed things.
Once I scored a basket that still makes me laugh.