2) The penalty comes when trading for younger prospects(ADV), seeing prospects(IFA, College, HS), developing players(training) and recovering from injury(medical). I've also made several suggestions on ADV. I agree that 0 ADV is silly. But there is a penalty.
3) RL managers, scouts, GM who make mistakes(first round flops) lose their jobs. HBD owners just move on to a different world. Multi-season minimum win rules handle tankers. Join those worlds.
4) Same reason. Work hard, build a good team, get crushed by an owner who won the lottery with 10 studly DITR.
Every action draws a reaction. That's the same with changes in HBD.