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Wooo this is a hot topic!
In real life the owners we stockpiling all this money and still making money on top of that, then the players union would have a major fit. They would take the owners to court on anti-trust laws and eventually force a player's strike. In this kind of market no player would ever sign for lower than their perceived market value. To me the mistake that OOTP makes is even having that player sign with any team in that league!
To be fully realistic, OOTP should have several options. #1 have a player's strike to force the owner's hand. #2 Players should sit out the entire year instead of signing at a below value contract. #3 Players should sign with an alternate independent league or team even if at a lower contract (but only a 1 year deal!) to prove to the major league that they are worth it. #4 A competing major league is formed to compete with the players in your markets.
To be fair, I recognize the argument. OOTP is not all about realism, it is also about having fun. In an online league (or even in a solo league) its not fun when you offer a player a contract and he says no and then signs with another team for less. So I do agree with the original poster that having some options to mitigate this problem if only manually. In the meantime I do suggest that the online league just manually edit the contracts.
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