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I'd go with Killebrew's suggestion.
How many games a season are you playing? I haven't seen that many teams outspend their earnings by that much since OOTP3, but if you were playing a shorter season that might help explain it.
I believe eventually the computer teams would recover, but I think it would be a very long time for them to do it, as they'd have to wait for the payroll to go down (through free agents leaving) enough that they could become profitable again.
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