That is besides the point though. Whether you paid for the car over five years or in lump sum is immaterial to the cost of the car.We could be offering staged payments up to the total fee - FIFA have agreed that transfer fees can be paid over a maximum of five years, regardless of the length of the players contract (this in response the the Chavs playing fast and loose with FFP). we could offer £10m now and the balance in full once the sale (or no sale) is resolved. If we offer the same deferred terms for other players we can afford several signings. Don't imagine for a minute that whoever manages to prise Kane from Spurs will be paying his full fee in one lump, the market doesn't work like that.
To your point though regarding transfers rules, FIFA is trying to get club into using hybrid financing model whereby cost is incrementally capitalized. If we end up paying something like £50m/year for total staggered transfers, we are effectively diminishing our future spending power. Overall, this demonstrates the troubles that lie ahead for football with insane unsustainable spending. It’s becoming the housing market whereby the ruling body changes the rule to keep the charade going.