Well, I have tested this with the current build (upcoming patch #4) in 3 different leagues (fictional, 24 teams, all defaults) now, and this is not an issue here. Granted, some years the teams do not have that much money to spend, but players adjust and lower their demands, and only very rarely will a greedy top player remain a free agent into the season. Financials are very stable over time. So, this issue seems to be fixed with the changes that have been made lately.
The next patch will be released tomorrow, by the way