Well, looks like I'm in a narrow lane here, that's fine.
I have set aside my first FB20 career... got into a new season with only 22 players signed, and as I face the prospect of just building each season's roster by the unclaimed free agents, it seems like the game needs some meaningful tweaks in its financial/roster management side.
For now, I'll await the next patch, and see if there are moves toward this being a workable career sim with a cap/financial environment. If not, perhaps this just isn't the sim for that sort of audience. Not the end of the world if that's the central takeaway for me and my ilk.