[Very low demand for loans, leads to poor development issues]

Will this issue be fixed in the winter update or something? Was trying to play in Germany, and the teams that do not have reserve teams hold up to 45 players cause there's zero demand for loans. Struggling very hard to find a playable league in this FM23

["Cities" of Norwegian Stadia]

Is this part of the reason why some teams end up having stadiums twice if not more the size of their towns population after a few years?

[Finances make no sense]

"upload a save game". :/ Alternatively, you can just load a game with any league not England and see the projected finances. Or simulate even one or two season and see that some leagues profit millions by default and some don't. I challenge you to load the Mexican league, and explain why every team profits tens of millions every season without trying. It's been like this for years. Sometimes I wonder if you even test most leagues... What's the point of even having them playable, or having a forum to suggest bugs if you ignore the most obvious ones. If I play in my native Norway, my town of 8000 people will have a 20000 seat stadium by 2050 with no effort. The reserve teams will dominate the third tier, cause the teams are so rich that they hoard players. I haven't even played a long term save in maybe five years and I bought every game since fm10. There's no challenge anymore. 

[Very low demand for loans, leads to poor development issues]

I really hope this will be resolved. Long term saves are just awful to play at the moment, which is the only thing I like to play 

[Premier League players aged 21+ not playing or being loaned/transferred]

It's the single most gamebreaking issue imo. The AI is wasting so much money, skill and surely it affects the coaches too, having all these extra players to teach for no reason at all. I really hope this will be fixed :) 

[Teams hoarding ridiculous amounts of first team players.]

I should add the worst example in my save is Man U. They have 39 first team players, only three of them out on loan. 10 of the 36 players at the club didn't play a single minute and all of them are 22-25 years old, ages where you'd expect them to play a lot.