The problem is 20% is too much, But this is necessary otherwise no one would buy players. It is the own decision to use the game part-time only for Asso and Cup (In CL you first have to qualify, which is not possible when you tank). In fact the problem lies in the CL I have to play against the next higher level opponents, so I need one or two seasons to prepare (=tank) if I want to win. If you are one of the big spender to play with 120% every season it is up to you. Nordeus should make a better system.