About Cam's contract:
$21m for the 2020 season is a good deal when you consider how much other QBs are making. The risk is not about $$, it is about paying a man $21m to be injured or rehabbing. Even if healthy, is Cam worth $21m if we are not winning? Since 2015, the Panthers are 23-26 with Cam starting. Those were Cam's prime years.
So what happened to Cam? The beating he took started taking its toll. This segment explains it pretty well: