Your players only decrease stars (not quality) if you are promoted to the next level and if your players get injured then replace them, you should have more players on a team including reserves then if you get a red card/injury then you can replace him. And what are you on about money i am level 20 and i haven't spent any real money on the game it's just called good managment! And if you don't like it don't play!

All Sars FC
Level 20