You're conflating one bad contract on a bad player... with troublesome cap management. The two are not the same and one does not make the other.
Our philosophy means we are in a better position than any other team that would have signed him to a mega-contract and watched him suck and/or not play.
Why? Because we use a 0% platinum Card.
Here's another analogy that pertains:
Two companies have the exact same pay rate and the exact same labor hours per month. One pays people every day at the end of each shift; one pays once per month.
Although they spend the same amount on payroll, one company has an obvious advantage when it comes to financial flexibility.
