So...you are agreeing that we were banking on Wallace's potential? You'll be hard-pressed to find anybody who thought Wallace was a finished product and didn't have severe deficiencies in his game. You'd be equally hard-pressed to find anybody who didn't think we overpaid for somebody who hadn't lived up to his potential yet. Again, not comparable to a defensive player who has been dominant in his position every single year, including college. Wallace was never top three in his position, let alone the entire offense. Suh is easily top 2 in his position (McCoy) and in the conversation for top three defensively overall. Please, get out of here with that asinine comparison of the two.
Fitting the bulk of the contract into year two is fantastic, because it's where we can best manage it with all the dead weight gone. That's been clearly explained multiple times in multiple threads. You really have nothing to stand on there. Year three is a big impact, but if we draft well, that won't matter because we'll have young talent being groomed all around a top NFL star. If we don't draft well, well, it wouldn't matter if we had Suh or not (see the past thirty years).
The Saints are also not comparable. They paid heavily for an aging QB, not a top defensive player in his prime.
Again, the credit card debt makes zero sense because there is no benefit to it. A better comparison is investing in home improvement increasing the value of your house. Suh greatly increases the value of this team, with value meaning competitive advantage.