The fact the AI are unwilling to pay the figures you ask of them, whilst at the same time demanding ludicrous figures for players you want from them, has tarnished every version since FM12 at least. If you want my star centre back who's worth £3 million then offers of £500k spread over 48 months really aren't going to cut it. If the boot was on the other foot the AI would be demanding £15 million+.
EDIT: And now somebody has come to me complaining about the lack of first team football. Yeah, that'll be because it's fucking July, and we've yet to even play a competitive game, you cockwomble.