I believe you're missing the point. When you pay a player $100 million, you have to play him. But -- Mario's really not that good. Physically a freak, but mentally just not that interested. So, you're forced to play a non-productive player simply because you're paying him big bucks.
It's not that you're "spending Ralph's money so it doesn't matter" -- it's that Mario's taking up a spot that a more productive player could take. Who might that player be? Well, as Houston discovered, pretty much any rookie or practice-squad player they replaced him with outplayed Mario.
Mario's a nice guy -- but he's only a football player when he feels like it ... and he rarely feels like it.