The pension bonus require salary. So by spending their salary on what amounts to like what ~9 additional TPE per season they are missing out on other things from the shop they could actually get to replace those dollars with. Its not "free" your player has to have enough cash to buy it too.   I don't know if you've noticed but the 800 TPE build isn't a pure welfare player. I've maxed donations, and I do PTs until I get drafted and occasionally here and there as well as include myself o