Follow the lead of Milroe whose draft status was an afterthought or follow the lead of Bryce Young (#1 overall), Mac Jones (#15 overall), or Tua Tagovailoa (#5 overall) who all put winning and the team first. What's good for Bama is also good for the pocketbook. Not a hard decision if you have any sense about you!
Your last sentence is the key. A lot of these guys don't have any sense of either where they fall in the world of NFL athletes or how to handle money.
All of them have a frontal cortex that's still maturing, so the linkage of actions and consequences is inconsistent at best. A corollary is the concept of enhancing your future (in this case 1-3 years out) with today's actions.
Additionally, not many of them have trustworthy counsel available. Even fewer have any concept of how to handle $1K, let alone $1M.
IOW, for reasons often not their fault, they don't have any sense about them, and don't have anybody who can (or will) help them work through that.
Culture is people. People is culture. Too many people think culture is what you say. It is simply what you do and how you do it...EVERYDAY.
Semantics maybe but the coach in me couldn't help myself.
Can't remember where I first heard it, but it's a great quote on management in general extending far beyond sports, "Your culture is the heroes you create."
In business, look to see who gets the in-house awards. Salesperson Of The Year, Branch Manager Of The Year, This That or the Other Thing Of The Year. Did the winners achieve ethically or did they find a way to game the system?
Then look to see what the awards are. If they're all the same (or at least comparable), that's a strong indication of a balanced organizational culture. If the Best X gets two weeks in Switzerland and the Best Y gets a plaque -- something I saw with my own eyes -- that's a strong indicator that the organization prefers Xs to Ys.
Then see if you can find out relative comp for a given level on the org chart. I'd bet a bunch of money that Xs get higher comp than Ys at the same level.
Obviously, the X skill set is way more highly valued than Y skill set.
If you're an X, that's great. If you're a Y, you either accept your place in the culture or go in search of another organization where the culture values Ys.
The last few years, Alabama football culture clearly favored a given on-field and off-field skill set. We'll see what the new one values. I'm optimistic but will need to see it to be convinced