coming top 4 is good so you make the playoffs, and 5th gives you a bonus... but coming 6th really sucks".
. 5th place isn't all that bad with training, and the lost income is small enough that it counters the anxiety over having to play a relegation series
also if you feel like just doing the relegation match is much better than the 5th place finish its fine if you want to play a risky approach to your team.
and lastly from my standpoint if you feel playing relegating matches is better than 5th place due to money, your making a big mistake because aside from your actually losing more than what you gain, i think something is wrong with your planning and development of your team.