Joe can probably speak more authoritatively about this, but that's standard NFL language. The payout is automatic or on an interest-bearing annuity. The issue is that the teams--all teams--can ask for part of the signing bonus back if they so desire and the player voids the deal before it's expired.
Warner would've had to pay the Cards back some of that bonus money. Happens pretty frequently. The Falcons went after (successfully, I think) Vick's bonus on his $100 million+ deal after he went to the clink, and I think that Oakland tried the same thing (unsuccessfuly, IIRC) with JaMarcus Russell.
I'm not sure how we are getting into this or if the new collective bargaining agreement has changed this but the player is not forced to return any part of a signing bonus if they retire with out their organization asking for it. A organization can seek through arbitration to get some of the money back. It isn't as cut and dry as they have to return an exact prorated amount. It takes arbitration and the request of an organization to start the process and the arbitrator decides on the amount that must be returned. Some teams have elected to retrieve signing bonuses some teams have not.
My only point was that the Cardinals have structured signing bonuses so that they did not have to pay the full amount up front. I'm not sure how I got my dumb butt stuck defending a statement I don't even agree with as plausible. All I'm saying is if Kolb felt the way the OP suggested and the contract was written in a manner conducive it was a possibility.
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