For smaller countries, the player might be a local player which you will find hard to replace.
so your scenario was, you have a player which is hard to replace, you can not play in your team but in a season with 1/3-1/2 level of Xp he is an unreplace able player in your team, where you can not find a decent replacement within a season. Is this summary correct?
The manager of the smaller team is paying half the player's salary so it isn't exactly free help, it comes at a price in which he will also have to survive the following season without the player on loan.
Taff price, he gets a superior player for free, paying just the half of the salary and playing on a higher level just through his connections to other managers ... But in the next season he had to play on the level of other clubs, who don't have friends with players like above to overpower their teams.
Ok the additional 20% of income through the more succcesfull games with homecourt which you ahd to miss next season is hard to, i can not believe that they could use that to.
Top team rule is necessary, we don't want farm teams of 300k monsters to loan these players to the top divisions for certain teams to rule now do we?
Why you should farm foir them? I am a farm, i doN't give the player to another club who can not train them, and if i don't train them i could use him on my team.
So why is it in top teams cheating and with weak teams fair advantage, where he had to live with a just little stronger team next season as an disadvantage.
I see that ittotaly unfair^^