I got the credit card analogy from Snead. Backloading free agent signings is the definition of using the credit card.
FWIW, my preference is in agreement with you on going all in for these next two years to go for it while we have Stafford. The Rams apparently have decided that they would rather maximize 2027 and beyond with the young, upcoming core of players.
I can't say I agree with their decision because I don't feel all of them are worthy of being a foundational piece. I see Puka, Turner, and Verse as obvious, worthy core components. The rest such as Avila, Williams, and Young, I don't think it would be the end of the world if they spent money now and didn't have funds to retain those guys.