I have heard that some historical re-players will play with finances off to be more like old-time baseball (no free agency & fewer player moves), but in most of these cases having no AI off-season trading might actually be a benefit. Otherwise I would guess that almost all users, online & solo, play with finances on.
I know that does not help your query, but at least it explains why it's an issue that has not recieved a lot of attention yet.
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