It absolutely would be a bad decision in a sport with a relatively short window for a player to make money.
Giving up a year of earning and adding a year to when he can hit the open market is not a strategy that any financial adviser would advocate.
Players don't have the right as drafted players to select where they play - that's a condition of employment. If he wants to sit out a season, and forfeit over 10 million present day dollars and delay his time hitting free agency by another year, then he is not making a smart decision with regards to his financial future.
This will end up getting worked out - both sides have too much to lose on this.
Well, no ****. But it won't be San Diego drafting him. Once again: If he doesn't want to be there, I doubt the money even matters at this point especially with the last offer he got. TO YOU, the money is inciting, to HIM it might not matter at this point. He is 21 years old, he will be 22 when the next draft comes up. He will still be a highly touted DE.
The contract could lock him with the Chargers for 4 years, maybe even 5. If he simply doesn't like the organization, his best bet is to go into the draft with the hopes of being drafted by a team he believes respects him and who he respects.