Regarding the token loss when bidding on a player.

[Anamnesis]

That answer feels awfully one-sided. Because in real life you DON'T lose your job if another club is better financed than yours! You lose access to your target, but you don't lose your ability to pursue somebody else because you had entered the auction for that specific player! You are able to move on to another target that might serve you in good stead. Even at a lesser quality and cost. What the present system does is that it gives power ONLY to those with unlimited funding AND it hinders those with limited funding from progressing AT ALL!!! How is this fair? In a game OR in real life this sucks AWFULLY!!!! And stinks of unfairness! It Feels like dealing with Manchester United with their CEO on the FA board!!!!! LMAO!!!

I take this "game" quite seriously! And you probably get paid to take it seriously as well....so to some of us it is NOT just a game! I've learned one or two things about the management of the sport via your interface.

What I'm suggesting is continuity- Coins give us access to auctions. Money gives us access to targets. Charge us a fee to bid(Take it from our money balance). And once we enter an auction charge us a percentage of the coins bid if we lose the bidding war. But leave us with the ability to go back in for another try!
Bid above 5 coins and lose the bid= sacrifice 2 coins!
Bid 8 coins and lose= sacrifice 3 coins and have 5 returned(this system could be programmed along specific mathematical guidelines to make it smooth)
Bid under 5 coins and have your 4 coins returned to you to get another shot at acquiring another player.
(realistically the guy with unlimited coins could be made to REALLY pay if there are others also bidding for the same player)
Also a "transfer window" could be implemented to compress the spending into a specific time frame. This might infact maximise your income over a shorter period. Instead of a trickle of real income you might see a tremendous increase in your financial traffic.
I think it's worth a shot. I know I would feel even more attached to the game and others would be encouraged to become more involved!