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So, I think you have a fundamental misunderstanding of how things work. I do agree that more interest = higher price. But players don't think as if they are going to get injured or that the money won't be there next year.
Basically, the hometown team has to pay for that player to give up hitting the open market and having all those interested parties to compete with. Roquan just signed an extension with Baltimore. He has no loyalty there. He was there 2 months before they signed him. They had to pay him what he would have made on the open market.
Not saying Mooney wouldn't take a sure deal now, because I don't know the man, but he'd be very stupid if he did. You're example is a 20M difference over 4 years. He's not losing 20M because he's scared he's going to get hurt. A player literally died on the field and players still don't think that could happen to them. Players get hurt and paid all the time. Dak got his money, post major injury, and by not taking a shitty discount.
For fucks sake. It was round easy numbers to illustrate a point.