Ya, ignoring the problem of everyone having max cash, with it going back to max cash at the end of the year is totally cool.
It goes back to max cash for anyone that didn't lose money. The only reason it has to be reset is because of a flaw in the file that has it stuck at somewhere around $3mil.
We absolutely do need more ways to build. DITR will help get some talent in the league, adding comp will get some new blood in and hopefully finally give us a trade market, and assuming everyone doesn't **** on IFA for some reason we'll have that as a building source and a legitimate reason to spend money.