Nothing silly at all. Every suggestion makes sense. And these might have been already brought by someone else many years ago.

Anyway,
1) Well loan system is needed. If not for association matches then at least for other competitive matches. Its like a basic thing in football. Nordeus can give an option to not use these players in association and events. A player cannot be re-loaned to other team etc etc ( similar to new negotiation rules ).
Quite honestly after a few months top eleven seems to be a routine ( farm, buy fast trainers, train, titles X repeat ). I feel transfer system in TE is very boring. So some fresh blood / creativity is needed. Loan system is not creative rather it would be implementation of a much needed feature.

2) No. Altiplano explained it.

3) I am Tanking this season Hopefully not get promoted. Back to your idea- Nik ( moderator ) already made a detailed thread about that.