From a very small sample size, it seems that teams are using TAM now and teams aren't in a salary cap crisis. However, I noticed after a sim to 2053, teams had as much as $32,000,000 in GAM! That seems way off if we are basing things on the current structure of MLS as it should be gone if not used in a certain amount of time... Which in the games says 5 years.
Im not sure if the AI is now just not spending GAM enough or it's not expiring. If it's the later, this goes back to my post I made about trading as teams very frequently are trading and hoarding draft picks but in reality the most used asset for trading is GAM and not draft picks. These days, GAM is like a transfer fee for domestic league players and is also used a lot to get additional international slots. Most draft pick trading is during the actual super draft.