See, I think... the Nook Logans of the world are the ones who would be MOST likely to use, really.
The jump from September call-up cuppa-coffee AAA-lifer to 24th or 25th man on a major league roster... there's so much more marginal utility to that difference than the difference between making two million dollars a year and ten million dollars a year.
AAA guy still probably has to get a job in the off-season, AAA guy isn't getting into the MLBPA pension stuff, AAA guy has significantly less cred to build a second career as a broadcaster or a coach or a front-office guy or doing used car commericals or a scout or whatever.
Bob Ucker, y'know, there's a guy who MADE his second career out of the fact that he was a marginal major-league talent who was just able to hang around in the bigs for an extended period of time, somehow.
And a marginal MLB talent who can manage to say on the 25-man roster consistently despite having only the minimum talent to stay up there... that guy is banking, what's the MLB-veteran minimum? Somewhere between 300 and 500 grand, right?
If you can hang in there and draw that kinda water for four or five years and be smart about it, even after taxes and agent fees... it might not set you 100% for life but it'll give you a nice fuckin' nest egg and a whole lotta time to do figure out the rest of your days, y'know.
Give you time to figure out if you wanna coach or broadcast or... buy a small bar in Boston or... go back to your little hometown and live off your small-amount of fame by running a restaurant or a car lot or whatever.
That seems so much more worthy of risking your life over than the difference between a borderline All-Star making two mil and a borderline HoF making twelve mil.
This is just me, though, I love baseball but I didn't play many sports so I perhaps do not understand the competitive mindset.