Yeah, I mean, I hear you on the soft tanking thing, but if you are playing with decent MWR, it really shouldn't be an issue.
If I can consistently win over 70 games, you are either:
(1) Not tanking
(2) An idiot because a little more effort would put you in playoff contention in a competitive world that doesn't have multiple 100-game winners.
If I can consistently make the playoffs while transferring to 30M+ in prospect budget, why should I be penalized because somebody else wants a shot at an IFA that I've budgeted properly to get? I'd love to get a shot at a top-10 draft pick, but if I'm making the playoffs almost every year, that isn't going to happen.
In No Quitters last year, there were 12 teams that transferred to get over 20M in prospect. On average, these teams had a 69M player payroll (after transfer), 25M prospect payroll, and won, on average, 79 games.
5 teams were somewhat in the "soft tanking" mode, they won between 62 and 69 games and their budgets (after payroll) were between 63 and 69M, with the exception of one owner who had 47M.
3 teams were "middle of the pack", winning between 75 and 84 games and missing the playoffs. Their budgets were 48 (for the 84 win team actually), 70 and 76.
4 teams (including myself) were playoff teams, who skimped on either hs/college or medical/training. Their budgets were 77, 84, 70, and 99 after transfer, and they won between 92 and 102 games.
4 of the top-5 internationals (by bonus) were signed by playoff teams, including one by a team who didn't go over 20M.
So I think, in a league that has MWR, going over 20M in internationals is not necessarily a strategy for rebuilding teams who want to "soft tank" but also the only viable strategy for playoff teams to have access to elite level prospects. I'm not sure it hurts the world.