I wouldn't mind getting "caught" like that. Flacco bet on himself, carried the Ravens through the playoffs to a championship and got paid large for it. He hasn't been worthy of the contract since, but I'd gladly be in that spot. This season if Tyrod wants to go on a tear, win a championship, get an Andrew Luck deal and then revert to mediocrity, he can be my guest.
They have had cap issues due to money tied up in underperforming and/or aging players. That is compounded by some poor/unlucky drafting. Ozzie has generally taken risks in the draft. In the years leading up to the Super Bowls he hit a lot of home runs when he was swinging for the fences, but now he's striking out a lot. It is telling to see him pass on Tunsil for Stanley. Times are a changin'.