It's not, actually.
We just have to be prudent with cash - every club does right now. We lost a lot of money last year, and relied on a massive cash injection from the owner. We're paying for a new stadium. We still don't know for sure when we'll have matchday revenue back. We still don't know if we'll have Europe and what income that will bring in. There's also PL FFP to consider, and UEFA FFP if we get into Europe, of course.
So anybody thinking we have a massive pot it frankly ignoring reality.
That's not to say we have 'no money'. I wouldn't call 30/40m 'no money'. It just means we'll likely have to make that buy 2 players, rather than 1 - and that's on the recruitment team to find those players and negotiate those fees (helped by the fact that every team has been hit by COVID too so at least selling clubs can't demand completely mental - relatively speaking - amounts). We then have some help by big contracts ending, and hopefully getting a fair number of players off the books too, at least one of which (Kean) should bring in good money.