So, to get away from the case itself, let's just imagine the following situation: For whatever reason, a team is hit with a hefty fine and decides to take a break and this team would end up in Division 6 after a few months. When the manager decides to comes back and finds an unsatisfactory situation because the value of the drivers + cash is less than 20 million C4F$.
What is the easy way to get back to 20 Million? A reset. In today's game this is possible and like this the manager did not receive a penalty. The only thing that remains is an entry for the FPC for future cases.
I have two suggestions to close that loophole. A good, a bad and an ugly one.

The good one:
A team that has not participated in and completed at least 20 races since its last penalty, will receive a weaker version of the reset. Instead of 20 million, it will only be 15 million.
The bad one:
A team that has not participated in and completed at least 20 races since its last penalty, will not get any Penny from the reset but a Auto-Team (9 cyclists) for max. 15 Million c4f $ and no rider with max. values (to be defined).
The ugly one:
Reset only possible if cash is < 10 Million. You get 10 Million only by resetting your team because you received a penalty and you have to live with the consequences of your actions!
Whether this is in everyone's best interests and whether it can be easily implemented technically is another matter.