The numbers were not meant to be realistic. They were meant to be nice round numbers that added up to an even million so that school kids like neutralsupporter could understand the maths.
The point is that with a back ended deal, if you retire early, you must get paid so that the years you did play, you were paid the average yearly amount for your entire contract.
People think the salary cap is a year on year thing, but its not. Clubs are constantly doing things, like being under the cap one year, front loading contracts, so that they have more room to move in subsequent years, or ifn they're getting near the top and want to convert success to a premiership, they sign someone on a back ended deal.
Dogs in particular keep doing this. Up/down, up/down.
With regards to Gaz, it was ridiculous that saints had to do what they did. The NRL wouldn't register him because he wasn't signing on for his "market value". Which stinks, because the NRL stops players earning their market value all the time with an artificial salary cap (meaning players have to accept less than what a free market would pay them), but then don't allow the players to voluntarily accept less to play for their junior club.
Can't have it both ways