Having many players who are coddled through high school because they can play a game (test scores fudged, etc.) and given a pass in college for a championship try, it is not too difficult to understand how someone with MAYBE a 6th grade education could noy understand how to negotiate the finances of hundreds of thousands of dollars. It also leads to the question of ethics---are the coaches/schools/organizations/agents/families & friends(?) taking advantage of not-necessarily-so-bright athletes?