And there are lots of other factors, if you lose games, you'll make less money than if you win, sometimes you have to sell a player for less than planned or buy one for more than you intended first, your best player can get injured and it will cost you games. There are very unfair ones, you play away on saturdays or you are seeded in the schedule rotation after your league's strongest team against whom everyone ties and during the whole season, you'll face teams that have tied the game before. And so on...
Because of all this factors, you need a financial safety margin. You can choose to reduce it, it's sometimes wise but then if you fail, you need a plan to recoup like selling a player. Some don't have a safety plan...
But this is just a deflection, you want to maximize what you can't completely maximize, maybe it's the root for your frustration. How much do you make from the cup ? 150k this season, 250k last season, 0k the season before.
Your player's wages, approx 240k. Your arena receipt, approx 175k reg season.
If winning 3 or 4 cup games is a decisive factor for your finances, you are taking too many risks... maybe.
5th/8th, zero income during the PO + the two losing teams in the first PO game, close to zero income, if I were to lose my first PO game at your arena, I would be thrilled with the 75k you'd share with me but it wouldn't cover half my players and staff wages.
So 4 out of 8 teams in one conference, 8 out of 16 teams in one league, half the teams in BB get no income or close to no income during the PO, do you realise that ?
Making place 3-5 more attractive is a real issue but don't base your argument on the fact it is a general problem to pay for the salaries during this period. It's a problem for those who have created the problem.