When Barcelona have more money I don't think it's possible for them to make an initial offer in installments because that would be ridiculous. They tried everything they could to sign Dani Olmo and that included paying back money which seems like a lot to ask for with the situation they're in now.
I find it hard to believe that money is that essential for a team of this level to make a difference more than a good and proper management, and even if it matters somehow, it is not the only reason teams are gaining titles and ending with a good season. So many teams with significant bankrolls couldn’t achieve anything for many years, and in the other hand, so many teams with short bankroll, managed to gain titles and grow their bankroll.
Teams like Real Madrid, Barcelona and even any team in LaLiga is in need of good management and proper coaching to ensure a successful season, and automatically more investors and the bigger money they would get. We have seen a big success last season from Girona with a small bankroll and overall players. Who would do the same this season?
The problem with the financial situation they are currently facing is that it indirectly makes everything suffer including performance because of poor management.
The Bartomeu era became a very bad era for Barcelona and we know that when Covid happened the way Barcelona's finances were managed was too irresponsible because Bartomeu did not want to lose his position in Barcelona which actually made conditions even worse until now.
It is not wrong when a club that is not too rich can still be quite stable in terms of performance, but at this time for Barcelona is an exception.
We realize that the expectations of Barcelona are very large, especially for the struggle for the position of champions in domestic competitions but of course it must be passed in several ways such as continuing to make updates with several players so that their performance remains stable and internal problems that must be pressed to be quickly resolved. But the situation is not as easy as imagined because seeing from the conditions until now Barcelona still cannot do that which makes them have to be satisfied with the current situation.