It’s not really that bad.
The idea of a guaranteed payout upfront with some company taking on a ton of risk isn’t the same as a payday loan given that you can just walk away if your career doesn’t work out.
If you think you’d earn more money otherwise, then just go and earn it yourself.
It makes a lot of sense because you’ll probably come out ahead with a 50k upfront payment unless your NIL earnings are above 110k.
The amount that they take also caps at 125k so it’s not going to prevent you from earning tons of cash if you’re a superstar.
It’s basically just insurance, which I guess most redditors consider to be a scam, but not normal humans.