I don't really get why it wouldn't work if you have an option to have the possibility of a big take over. They do it in Football Manager, and that's the most in-depth football game of all. You just choose from the outset if you want takeovers or not. If no, then all good, if yes, the possiblity is there for billionaires to take over. But in FM not all takeovers are by rich owners, sometimes someone can come in and merely wipe the club's debts clean, but still offer little money. If FIFA had a takeover option, but was a lottery as to how rich those people were, it would create a level of depth and also affect whether you wanted to stay at your club or move on when new owners came in.