For me, the budget issue comes down to putting off decisions and being able to keep my options open for as long as possible. if I can keep as many budget decisions open for as long as I can, or need, then it gives me a huge advantage Vs someone who decides to make all their decisions at the start of the season. I can make better decisions based on changing circumstances. The penalties to keeping those options open just get weighed into it...and it seems people here are saying that those penalties are not severe enough. I would agree. Adjusting the money in trades, or money transfer or some other things could really make budgeting decisions more of a decision. But i guess my point here is that money transfer and exchanges as they are now does a lot more than help people who "screwed up".
The point that Anton raised maybe comes down to what is liquid and what is not. In one sense, when I decide my budget, I am deciding between what needs to be spent and gone at that very time, and what can still be transfered or exchanged later. Information is difficult to use as a commodity because, yes it's exchangeable, but it can also be redundant. Sorry, wrote this very quickly...hope it makes some sense.