We have to assume that at some point, the academy will yield success. This could be 2-3 seasons away. That's why survival is important. That money can then be used to pay down debt/increase budget. It's a gamble.
Or you could take the hit, get relegated, play the young guys, sell a few, keep your fingers crossed we find a team. It's a gamble.
In short, we need a bit of luck imo.