Agree. And I think that's one of the things that Ceferin, the UEFA president wanted to work on. It's crazy the amount of players that teams like Madrid or Chelsea have on their books.I think the issue you're highlighting is more the financial gap between the big and small clubs. The big clubs are hoovering up talent by offering more money than anyone else, but now are suffering because they can't offload the same talent they hoovered up.
It's not the players fault - the players just get paid whatever that club is willing to pay them to incentivise them to join or stay at that given moment.
What needs to happen is squad sizes need to get capped - including players that can be loaned out. Once that happens, clubs can't board up talent and have to make more careful choices on who they're keeping on their books.
Eventually I think some sort of salary cap will also come into being in order to fend off the future efforts of the oil wealth clubs. They don't have the largest salary bases yet, but they're going to keep going until they win the CL in my view. And that's were it's in the interests of the established big clubs to address the issue.