So I honestly think this rule is far beyond stupid. Obliviously you honestly think that this rule is very good and smart, right?
Honestly, I think that anytime I start to play a game, it's good idea to know the rules. When in Rome, do as the Romans
So, by skipping bold words of your message and bouncing back to the essence: just know the rules of the game and don't buy over-priced retired players. That is the answer! That's it
All the words after are bargaining and nothing else. I remember hundreds of bids, when i've bought retired players 2x-3x times cheaper then expected market price, and in contrary remember bids where price goes rocket through the sky without any objectives. So what? Stupid rule? Of course, not