Just to point out that Cardiff do not have lots of money; they are £80 million in debt and all of the money being put in by the Malayasians is reportedly a loan, so there is a very good chance that if they overspend this sumer then they could go under very soon. They are playing a very risky game
Yes they have a lot of debt, but that doesn't mean they don't have a lot of money available to spend. I don't think they are in as much trouble as you suggest, with the new TV deal they will recoup a lot of that debt just by being in the premier league (as long as they don't overstretch themselves of course).