Last season despite being in financial difficuties, and apparently still owing one club money, cardiff were able to take Bellamy on loan because city paid most of his wages. Where is the incentive for a club to live within their means when they can use the loan system to help them get round any financial difficulties over-spending might cause them? And what about the other clubs in the championship, many of who work hard to stay within the limits of their budget. How do you think cardiff`s rivals felt when Bellamy lined up against them? As for the youngsters I doubt if many of them are on wages that are higher than the established players in the teams they join, especially if they go on loan to a premiership club.