I have followed it long enough to know what you are saying makes no fucking sense. Let break this down to you as someone that has spent an entire career in the financial world auditing companies all across the globe including a couple of NFL teams.
Minimum Cash Spending in 2020 | Over the Cap
overthecap.com
There is a salary cap that has minimum spends over a 4 year period and the Bears have never come close to not meeting the minimum spend thresholds. So there cost structure is largely fixed and there is really no ability for them to significantly manipulate that cost structure. So them signing or not signing someone does not significantly impact their bottom line because at the end of the day they will need to hit their spending targets regardless. And if they fail to meet their targets, what would happen is any unused cap space comes out of their pockets and into the hands of the existing players on the team so they would be giving money away without actually improving the team by using that money to get better players.
So the issue is not that they are not spending. The issue is they are spending on the wrong combination of players, coaches and executives. Further, the bigger problem to your argument is they were capable of getting better players, coaches and executives they would because the only way for them to really increase profitability is by improving the product on the field. A better team means more fans coming to games, more merchandise sales and more remove from a media that likes to follow good teams. So your argument implodes on itself.
I don't know how else to explain this to you. Whether they sign a guy for 30 million a year or sign 5 guys for 6 million a year they will still end up spending by in large the same amount of money on players as that is the fucking point of the salary cap.
The Bears under the McCaskey's have sucked. That is due to incompetence not due to lack of trying or because they are focused on profitability. You may have had a case for this before the NFL implemented minimum salary cap spending thresholds and guaranteed a set percentage to players over a period of time but in today's NFL the best way to improve profitability is to be good because bad teams still have the spend a similar amount of money over a 4 year period.
P.S. The irony in all of this is the fact that it is Chris Ballard's team was in jeopardy of not hitting the spending thresholds as they were 43 million under at the start of the season. So again this has nothing to do with profitability and everything to do with competence. He has just spend the money more wisely than Pace but Pace has actually spent a lot more of it than Ballard. This is why some following the Colts surmised they gave Brisset his deal and then signed Rivers to 25 million a year so that they would be in better position to hit the threshold. So there is more evidence that Ballard is doing just enough to be competitive and focused on profitability than there is of Pace. If the Colts had spent more on better players they would probably be a SB favorite.