I'd add that Ishbia will also need to open his wallet to retain role players also. Sure, we got lucky and got some guys who should be able to contribute this season but all you have to do is look around the league at other contenders and the level of players they add for the minimum go down as their window closes. Golden State is a good example. They had their pick of the litter when KD was there but over the last few years they've had to settle for what's left after stronger teams on paper snatch up the cream of the crop.
I was disappointed we didn't retain Craig, for example, as we had bird rights so there shouldn't have been an issue bringing him back. Same goes for Cam Payne. I don't think it's fair to single out 1 player as far as they'd cost 3-4 times their salary since we're in the tax because those players didn't push us into the tax. It's an accumulation of everyone's salary that does that. We could say Ayton is costing the Suns close to $60 million since we could trade him away for tax relief and pay no tax, for example. It's too easy to contort the narrative.
Point being, minimum guys are ok right now but we'll need to keep guys who contribute and reward them if we hope to build a team that competes regularly. Having 3-4 high salary guys and everyone else making the league minimum puts a lot of pressure on the top guys and isn't sustainable long term.