In my opinion, Barcelona has lost a key player, and if they want to be able to keep up with Real Madrid and other big teams they have to be able to improve it, not only that, maybe with the others. Barcelona must be able to find talented young players like the young players that Real Madrid has. If next season Barcelona doesn't make any changes, of course I think Real Madrid will easily beat them because Real Madrid will definitely be stronger next season.
Didn't Real Madrid ran into the similar situation a league before this season, they didn't win Laliga nor the famous European Champions League but they were able to do better by signing only one boy, it was Bellingham and everything around Real Madrid change. I believe Barcelona has the capacity to do the same thing and their squad will turn out to be one of the strongest in the next season.
This financial problem is indeed the reason for those who experience decline, because perhaps with their financial problems they are unable to get talented players. but it's up to you, because Barcelona fans certainly don't know about this because what they really want is that Barcelona returns with its beautiful trademark game which makes football fans shake their heads.
We are always quick to use this financial difficult slap on Barcelona like as if they are the only club with financial problems. Know this today, majority of the minor teams are having financial challenges but because Barcelona is famous and used to be the best, the media wouldn't stop with all these propaganda, even Manchester City is having a case in the court to be settled and one of them is financial fair play FFP, they have some unresolved financial dispute and they are still doing fine, forget the narrative of been a broke club, they have money my friend.