I'm not being funny, but do you really expect a game to recreate a financial credit crunch? If so, when, having looked into your crystal ball, do you suppose clubs will be spending again having come out of it?
And, if you know the answer to this, can you let Si games know so that they can account for it before the full game is released and have a news flash added in 'X' year, stating, 'News flash, credit crunch over, clubs can go bananas!'
Truth is, someone like you wouldn't be happy unless they got clubs doing what they do day in, day out. Which by the way means, no West Ham winning the league, no Farnborough Town in the premier league, etc, etc.
It's a flipping simulation, not a sure fire prophetic guide to the future!