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1. There aren’t enough quality NFL QBs for each team to have one. Teams that have one have little choice but to pay market value to keep them, except in very rare situations where two get paired on one team, enabling the team to let the veteran go (e.g., Brees and Rivers, Favre and Rodgers, Montana and Young). The alternative is typically to go through an extended period of years with poor to mediocre QB play, which significantly raises the odds of a losing record over that lengthy period.
If there is an NFL GM that doesn’t understand this, he won’t have a job for long.
The other thing that usually doesn’t get discussed is that the team often goes back to the QB in subsequent years to redo his contract to help out with cap room.