It's not only tough on people but terrible for the wider economy, spending power literally removed from it through arbitrary interest rates. The whole system needs reform imo, the city is a leech.
I don't think that is necessarily true, I don't think he wants the badge that he relies on his contacts in his game to provide him with superior loan players
EMC shows flashes of it, hopefully he has a good pre season and starts next season fit and sharp. For one reason or another he's just not quite looked at it. That little chip over Hulme last night before he was once again fouled was great.
I don't think the club would necessarily be that much more stable in the long term after one season in the prem, look at the likes of Huddersfield (they had two). Your expenditure grows with your income ultimately. Quite difficult to manage at least having a go at competing with profit.