The reason why the Bobcats dumped Tyson Chandler a few years back is because they recognized Chandler is not part of this young developing team going forward, and that his contract takes a huge toll on their payroll for a franchise at such an early stage. If you are losing more money to the payroll than you get back from tickets, jersey sale, broadcast right etc., you know you need to cut someone or avoid going into luxury tax area. That's exactly how teams operate in the NBA.
Now in the Association mode you don't need to care about contracts, as long as they are within the hard cap. That is what breaks Association mode. Just too easy, too carefree for hardcore gamers.
I would personally love to see them overhaul the finance system in Association mode, include features like whole franchise finance management, ticket price adjustment etc. to give life and soul to this game mode.

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