I think FM economy works well as a whole. Sure you can't buy players with "real amounts" or sell them with nice price tag but anything else would probably be unbalanced. With transfer kit of 40m~ I could buy 4~ world class players, or atleast top of the line, players compared to 1-2 you can now. That would be huge and you could create unwinnable team within couple seasons. Overall economy is well balanced
imo. It's a good thing that you cant buy every player in the game even if you do have "enough to get them in real life".
I don't think the game is too complicated. If we had a feedback system it would be perfect. (but probably too easy) Winning is not hard, constantly winning is hard, just like in real world.
I enjoy the game, it's pretty good value for the money. Certainly better than any previous installment
imo.