If you claim to have a limited budget, as the New York Yankees do annually, but still decide to spend $5 million of that limited budget on a total wild card (with a potential absentee floor), you deserve ridicule when the inevitable happens.
It doesn't have to be this way. The Yankees can take $5 million gambles and also bank $30 million on sure things, if they want to. They can extend DJ LeMahieu's contract to six years and sign Corey Seager to a mega-deal. They can do anything they want to. They're the New York Yankees.