How about taking away the $4 credit for people who finish last in their division? Unless this has already been done and I am unaware.
People that tank for the IFA are just gaming the system, those same coaches will just find the next best way to game the system, like 120 million payroll, sign a bunch of high priced free agents,trade all their top tier minor leaguers for middle aged veterans, stay 3-4 seasons, then leave the ball club in shambles that no one will want.