Could it be that Garoppolo was never worth it? Could it be that Shanahan likes having the flexibility to have one of the best NFL rosters while paying his QB peanuts?
To be fair, Garoppolo was the highest paid QB on a per year basis for a couple of months. It was $27.5 per year which is a fraction of what a starting QB will cost as a percentage of the cap this year.
If you think Wilson is getting that much then I think you have no clue. Drew Lock got $5 million per year last year. Zach's value is much higher than Lock's.