That's such a silly argument. McCaffrey's decision makes sense for him. That doesn't mean it's right for everyone. He had do deal with injuries this year, and he's in a position where he could vault from late first/second round, to the top 15-20. One more game in college won't do that, but eye popping numbers at the combine would. Exhibit A: Byron Jones. There was nothing he could do in a Bowl Game that would have improved his draft stock the way his combine performance did. There's a point of diminishing returns. Deciding not to play for half a season would probably leave most GMs and coaches with a negative impression. There's a huge difference between skipping 3-4 regular season games, and skipping an exhibition game to give yourself more time to prep. It doesn't make sense for everyone, it makes sense for him.
I don't disagree with your argument, but FYI, he's the son of a former NFL player, Ed McCaffrey Ed McCaffrey - Wikipedia
He played 12 years in the league, I don't know for certain what their financial situation is, but the chances are it is better than most.
That's a fair argument, but as long as his teammates continue to call them team players, then I'll take their word for it. I don't think anyone NOT on the team has as much credibility when discussing who is or isn't a team player.