The associations get the benefit of players playing for them and the income from the crowds and tv/ advertising. The better the player the more money arrives for the association. That?s their financial benefit. Transfer fees only relate to the registration of a player. Wherever they move they can still play for their country so there is no involvement or loss/gain to the association caused by a transfer. If you borrow something and it breaks then you should make amends - simple concept. As for the poorer countries ? then let the players pay the insurance for the honor of representing their country.