The patch works best on a clean slate.
The NBA 2K22 upgrade cost bug was a frustrating combination of poor net code and server overload. While the official patch (v1.08/1.09) resolved the core mathematics loop, users with older save files must manually clear their cache to see the fix. nba 2k22 calculating upgrade cost fix install
TL;DR: Update your game, restart your console, and play one game before upgrading. You should be able to build your 99 OVR demon without the spinning wheel of death. The patch works best on a clean slate
Have you encountered the bug since the patch? Let us know in the comments below. DR: Update your game