Something of a trend I found in FM22 doing a journeyman save
Whenever I tried loaning in an player from a league or two above, more often than not, the club would want 100% wages plus a fee. A lot of these youngsters are on £5,000 to £20,000 per week contracts. So unless I wanted to bankrupt the club, I could never loan them and give them playing time
I'd notice over time, these players would just not be loaned out. By the time they're 22, they've barely kicked a ball in competitive football, haven't developed and are pretty much the same player they were at 18
Then job hopping around, the first team would consist of mainly 30 year old plus players and a few of the fringe players would be 22-25, they've had maybe had a season or two out on loan and a handful of first team appearances and are a long way from their potential
Scout recommendations would bring me a lot of 30-33 year olds with great potential and average current ability, these would be the victims of stingy AI clubs trying to money grab from the lower league teams
When the AI would make loan offer to my players, they'd want them for free or paying a small percentage of their wages. More often than not, I'd just loan them to get them game time
The AI should be closer to that, letting youngsters out on loan for cheaper fees, even if it's just a short term loan
I know this happens in football, I doubt Pep will be loaning out Cole Palmer for peanuts to a L1 club and there are plenty of players in lower league football that made their start at high level clubs. Just at every transfer window during that save I thought, multiple times "The AI's tight, wanting full whack plus more for this kid when I'm offering him first team football" then I'd join clubs with aging first team squads and under developed players
Short version: If these youngsters aren't getting the game time they need, they're not getting much better, they're not building a reputation up enough that they're being given chances in the first team so the AI sticks with the older generation