Totally not true.
My level-3 freeloader account only used a total of 2T to complete the ‘Buy 2x 80% players’ task and about 80-100 blues for all those morale-related tasks. Managed to do all but that youth academy task. No need to use any other extra resources at all. Plan our squad and predict their improvement rates at start of season to manage the timing then it is not difficult.