Is $200,000 what practice squad guys get? That's a LOT for regular people, a damn lot, and upward steeply from there. True, it's not enough to get messed up for life, but figuring in the very small likelihood of anything serious enough to do that, it's easily a risk worth taking - and if somebody thinks it's not, I say again, he can quit and get a real job - a lot less fun in virtually all cases, and a tiny fraction of the money.