The Negotiations tokens is to prevent insider trading, that sort of thing.

The Academy I kind of agree. It's intended as an alternative to the TL, but much better players to be had on the TL.. if it was to be a true alternative there should be 5* output sometimes, in my opinion.

Bank Loans of course cost T, otherwise the economics would be pointless if bank loan was free.

The Cup, if you don't want to face higher level teams, have a more average Q team for your level.

I think 50sp for role is ok, but the SA's.. yeah, not so much.