In a way you are right,
Most clubs will have a payment plan spread across a timescale that was worked out on the agreement for the player, But I will bring you Barcelona and the troubles they have and still owing money to other clubs, They missed payments and City was one of the clubs that did not get paid on time.
This is why uefa FFP is a joke and will let teams do whatever they like knowing they will never be punished
Also what if the club go broke and can not make payments, what happens to the debt
Clubs Like United are not good at reducing their debt and it grows every year because they are allowed to chase their tail without punishment,
United vs City
One club is allowed to spend and borrow money and leave it on the account's debit sheets, The other is debt-free and not allowed to spend his money on the club he owns,
Glazers vs Sheikh Mansour
One will leave football and their club in a right old mess owing £billions, The other will leave football and its club in a healthy state and debt-free
United are flying very close to the sun, as we saw with the 200m lost revenue from Covid. This meant that they couldn't balance their books for that period, and the Glazers panicked and started trying to find investment.
In stepped INEOS, a company that has a track record for asset stripping and running businesses more efficiently, with less overheads. They will upset more people over the next couple of years. But when you have half a billion coming in every year, there is quite a lot of wiggle room. Any half decent businessman could make that work. Which only shows how inept and badly run that club has been for 20 years.
City are doing things the right way, and could probably operate as a stand alone club without ADUG, but this was only possible after a long period of success, following investment.
12 months ago, Qatar were in for United. And as Saudi Arabia already have Newcastle, it could have ended up a monumental pissing contest, with the middle east making a mockery of the premier league. And without some form of regulation, Saudi Arabia would win hands down. They have more money and more influence. They would be out of sight, with everybody else scrapping for a champions league spot. Many clubs supporters would argue that this has already happened, but it would have been a lot worse.
Imagine a world where Vinicius junior signs for Newcastle, for 250m!
I personally think that there should be a cap on signings, and the 12.2 billion that the PL makes from commercial and TV revenue, needs to be distributed much more around the clubs in the league. Then we wouldn't be in a situation where clubs are getting in debt and fans are being fleeced. There is enough money in the pot for everybody to exist financially.