You're changing the criteria now. Your criteria was players not at top clubs who were relegated at 22. You've been given two good examples and now you've changed the goalposts, and are talking about British record transfer fees and late career growth.
You're entitled to have an opinion on a player, albeit one that is pretty much erroneous (McCarthy is clearly a very good player) but using the criteria of "If he was good he'd already be at a big club and wouldn't have gotten relegated by the age of 22" is daft, and a ridiculously simplistic way of rating footballers.