Cam isn't retiring, he's said as much already. Ram has already been VERY friendly with cutting his base salary and we won't go after him to repay signing bonus money.
These are things we assume won't happen, but they very well could.
Also, Ram's been paid over $70m in his career. If he retired and paid back his 2025-2028 pro-rated, he's still walking away with over $53.5m for his career in New Orleans while at the same time giving the Saints some very helpful cap relief.