You can't base your argument on the fact that it is a general problem to pay for the salaries during this period. If you can't pay for the salaries, it's not a game design problem, it's a managerial problem.
It should be a managerial decision to choose to take financial risks, you'll reap on the rewards if you succeed and face the consequences, if you fail. It's fairly easy to calculate roughly income and expenses for a season of 14 weeks
Wrong
You had to manage your finances and calculate your incomes and expenses,but at the start of the season you can't calculate a lot of factors.Cup draw is a big factor,you can find a top league team in the first round,as you can find a lot of bot or very bad teams for the first 3-4-5-6 round,so there's an enormous diference not only on the strictly cup incomes,but also in the choice of how manage the 3 game/week,and on the fan survey for all the season.And this affect also the others team,so you can win or lose unexpected game in your schedule,because the teams have different choices to do to manage th 3 game/week
And this affect not so much the survival of the teams,as much more the programming in the medium-long period.All the effort that you put in such competitive leagues to save some money to improve your team in the future,can be nullified by some occasional event,for example there are some leagues balanced in a way that if you are unablle to set one time your line-up and you have a WO,you can drop for the second or third place to the fifth.
And as you should know,there's an enormous difference between the incomes of a second or a fifth team.
And if the problem is general,it means that it' not a single user fault,but there are some lacks in the system,that I and other users yet explained in the previous posts