If a pro athlete is making $6 million a year and they stop playing for whatever reason, the chances of them continuing to make $6 million as an analyst, businessman, etc. is very low. Warren Sapp makes $540K as an analyst for the NFL Network, and that's barely more than what he'd make if he was being paid NFL veteran's league minimum of $355K.
It's easy for people who don't make this kind of money to sit back and judge, but if you've been living on seven figures for several years and all of a sudden you have to live off of six figures and most likely five figures for the rest of your life it's going to take some time to adjust to your new lifestyle. Unfortunately, many pro athletes don't adjust to their new income and they simply go broke trying to still spend what they clearly don't have.