Have no idea about what his lower leg injury is but by the contract data on here he took 52 Million over the last three years 32 million considered bonus or restructured which is very common. My point is that owners will defintaley take the "Luck" method into account when offering this guaranteed money. Colts got part of 1 year of play for 52 Million.. that is if they didnt pay the roster bonus and this years salary.
You're missing the per year take from the highest paid QB's. $20 to $30 million a year. Luck's 5 year contract, $122MM - an average of $24.4MM a year. In the first three years, he'd gotten $75 million, $25MM a year. You can call it salary, signing bonus, roster bonus, etc. Much of that is structured for the salary cap and, yes, players like something up front for the commitment and in recognition they're giving the team a hedge against salary inflation.
I can't follow your math. Luck played under the new contract in '16 and '18, throwing for over 4,000 yards in each season and a total of 70 TDs. Are you suggesting a guy going through rehab under contract shouldn't be paid? That makes no sense.