I sympathise with you itrogo. I also do not buy tokens and I have a team at level 31 and I am losing 15M a day even with a full stadium and 60 entrance. I am lucky though as I can get tokens by watching videos on the T11 website (not facebook) and so can usually get 1 or 2 extra tokens a day. But last season I improved my team for the first time in many seasons and it cost me 170 tokens just to get money from the bank. I am now in a position to get promoted this season but will have to wait 4-5 seasons to build up my tokens to a sufficient level in order to improve my team again. Most tokens will be used to bankroll my team (probably 45 a season if I can get them) and I try to sell my 0 token youth player.
I don't think that there is ever going to be an answer to this problem and the token buyers will prevail.