"It's only 7.5m" soon adds up over a number of players and you need to find that money every year until the end of the contract. And I assume that you'll want to do the same next year which is these payments plus the new ones which will need paying.
I worked in banking in the noughties and this type of thinking is why it collapsed. You can't keep kicking the can down the road. At some point you need to realize that payments need to be made and debts need to be serviced.
But every club does it, it’s not like it’s a loophole we’re exploiting.
Also it’s not necessarily the same fees every year. Because your expensive signings. Either you move on for profit or you give them new deals. Like Pickford, Keane and Richarlison would have probably cost 20mil in fee’s after they all signed new deals, that figure probably halved.
And every season you will sell players, or have players OOC. So I don’s see it being an issue.
You sound like you won’t the club to follow last summer for another 2/3 yrs, while selling players, to have a total reset. The problem there is we will then be under relegation pressure every season, potentially costing the club 100’s Of millions, if we go down. That’s why if we sell big players this summer, they will spend money on replacements.