The agents involved being afraid they were going to lose these clients to other agencies influenced their negotiating tactics, to the detriment of the players.

The fact we know is Albies agreed to a contract that horribly undervalued him. Based on that data we can draw the conclusion that he doesn't know much about the economics of MLB. So no, compared to established agents and MLB FO professionals with advanced degrees in finance, he isn't a "big boy".

Why he didn't understand it isn't the point...that was his agent's job...and his agent failed him in order to cash in while he could.