Well I actually agree with basically everything you've said except for how much saved lol. After I buy my players sure you'll probably have more than me in the bank but with the addition of the guard I'm bidding on, I'll be making roughly 250k a week, and if I get the center I'm bidding on then I'll make around 200k weekly. Also assuming that my fans still show up for games lol. But that is a good possibility they won't.
I've always tried to build my team up to win and remain, and about 3 seasons ago when meridian promoted I thought for sure I had a team to do that with. But, I went bankrupt then. Tried to rebuild my team with big men and get some good trainee guards and bam, bankruptcy again.
I won't be surprised if I see the red in the bank yet again