I actually don't mind that idea (though I also like my free 50k for the first few weeks of each season). The only issue might be these days there are a lot of bot sides even in Div 3. In fact, I'd hesitate to say there are more sides in Div 2 or above in Australia right now than there are active ones below (being that it takes 80 sides to make up the ABBL and 4 Div 2 comps and we only have, typically, between 145 and 155 active teams at the moment).
But it probably would help newer players to the game make a better start. That said, I actually found it easier to make cash working through those lower grades where you could be competitive based purely off trainees in their early years, whereas I'm finding making the leap from 2 to ABBL hard.