True, but my suggestion would not stop you from tweaking it to an individuals preference. Rather, it would save some time for those who need to do whole lineup swaps. The game is not “played” at all when the game crashes during a lineup swap; quite the opposite.
I think the overly simplistic (but totally honest) answer is, “Yes.” Whatever cash I have on hand I put to upgrading performance of the entire roster (generally below priority of player upgrade) but even that is an imperfect approach. I actually like upgrading the clutch performance bar first, which has come in handy on…
That is what I think needs addressing, the dis-incentivizing leveling up clubs. Just hanging around in silver and still crushing clubs in plat and diamond in cvc feels wrong.