Why is saying that the percentage of the cap that tier 2 and 3 QBs make is ridiculous, somehow a hot take? At current prices, only those on HOF trajectories are worth keeping. If the prices for ok to good come down, it's fine to keep those guys. But a QB shouldn't get $30M annually and $100M guaranteed just because of the position he plays. Ask yourself what you'd pay a guy with comparable skill set at WR, CB, LT, DE, etc, then add 10% for being a QB. That's more reasonable. You should have to cut, trade or let walk 1/4 of your team just to keep a QB around, if they can't withstand that hit due to the QB being great.
The problem isn't keeping the QB, it's how punitive it is to the remainder of the team. With the way things are right now, the Washington/Cousins Approach is the best MO. Give your guy 6-7 seasons to see what he is, and if he isn't good enough let him go. I just think it's dumb to lock up a QB that isn't on a HOF trajectory long-term. It would be different if it wasn't so punitive.