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You all are just ignoring the fact he was going to make something like $32MM over the next 2 years. This is the leverage KC had which they used wisely because 2 years from now, they would have had to pay way more. Something the Cowboys failed to do.
The upside for Mahomes is he gets a fat contract 2 years ahead of schedule that guarantees $124MM for injury. The one factor every player dreads which could derail his career and potential earnings.
Normally I would say KC took on a lot of risk but they essentially decided the $124MM insurance they bought out on him and the bonus structure gives them a reasonable out in case of buyers remorse.
A win/win for both.
The deal is not all that bad for either side, especially 2020 when there will be big revenue drop due to COVID-19.
Look at it this way, Brady got a $50 million guaranteed deal for two years and Mahomes essentially got a $63 million guaranteed deal for the first three years with incentives to do well and stay in KC.
Patrick Mahomes
If Andy Reid retires or Mahomes declines due to injury, the Chiefs can cut him before the 3rd day of each league year from 2025 on and minimize their exposure. Those cap hits are huge, however, if they keep him. The Chiefs need to stay very focused on the health and skills of their offensive line from here on out.