I'm definitely not in favour of it being harsher. Back then I wanted to buy a 200k salary NT local NT player. I could very well afford him since I "maxed out" my stadium seasons ago and had millions in my bank (even without that money I would still have net profit every week). But my WR stopped me from buying him, so I ended up not being able to buy him, which I would need if I was to fight with the top teams in my country.
If it does get harsher, I hope it won't affect older or financially ready teams. This function is made to stop new players from making bad financial decisions. I don't see why it should affect teams that have been here for 10+ seasons with an arena of over 20k seats.