Plan B for me was to keep and bench Ndidi, hoping he didn't get a red and would make more cash with a BE of 0 (even $400k).
If Young did well (which he did), change formation to 4-3-3, starting Mosquera (who played later),
getting Young's 14, and benching Dibling (which I have anyway).
When in doubt, go without. I tried to force something to happen, and it did.
Them's the breaks.
So it's cost me 18 pts, a transfer, Bruno will drop $1m, and Ndidi will go up $600k.
Oh well. It's arrogant to think you won't encounter extreme bad luck at some point in the season, but I still think you make your own luck.