some hot shot QB they’ll promise them $10 MM per year on top of what the franchise will pay them?

Or, why don’t these “NFL team collectives” pool their money and use as a way to get around the salary cap? Players get some pay from fan collectives and then the rest from the franchise. (Player takes a small discount, but is basically getting the market rate due to the added money from the collective.) Now the team has extra money to spend in free agency.