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I understand that it’s not my money, but I’m struggling to understand why all teams don’t go crazy buying insurance.
There’s a hard cap each year ($255 million) and each team shares revenue from tv and merch (~$400 million).
For a 53 man roster, you could pay an extra $75 mil at the most to get several million in extra available cap space the following year. That could mean the difference in being able to upgrade a couple crucial positions and making a run at the Super Bowl.
Once again, it’s not my money, but if you wanted to win at all costs, this would be a pretty effective way to do it.