Are you kidding me?
SSR is totally right. Ronaldo, you may think you know a lot about the world, but it's obvious you know f*** all about accounting.
No business pays for things up front and sells things in installments. That goes against basic economic logic (inflation, discounting etc.). It's the opposite of what any sane business would do.
The only reason any club would do that is to prepare for a decrease in revenue, but why go to this extreme to protect the club's cashflow when other, more reasonable and common measures which leaves the club with more money to invest can be taken?
It clear you don't know much yourself if you can't see the logic in buying players in one installment.