If it makes you feel better, the situation seems like it would be easy to fix if the academy would just check to make sure you have the cash to spend before giving you the player, rather than just when you save the settings.
I doubt that this will be possible for much longer
It actually also fixes the issue with people offering insane amounts of money for coaches. So even if you have 100k in the bank, but still only have a predicted income of +5k you can spend more than the money you get after paying all your expensis