Would you risk your career if you were being underpaid Millions?
Zeke gets hurt in camp and he loses $$$.
This is simple to figure out.
If players want to sign long term before becoming a free agent in order to get security, most teams will accommodate if the player signs for less per year than he would get when he is an unrestricted free agent.
It's probably a good idea for many players to take less to get guarantees early; however, agents prefer to avoid taking less.
Now: 5 years, 50M with 25M guaranteed (The 5 years start in 2021 but the guarantees are immediate).
March 2021: 5 years, 75M, 40M guaranteed.
They picked up his 5th year option which is guaranteed for injury; however, if a player suffers an injury that does not prevent them from playing again but does reduce their ability to perform, that is not guaranteed.
The 5th year option is 9M for Zeke.