You have missed the point. Brighton would be happy to sign a new contract that puts him on a lot more than £35k a week. Currently he is on a relatively low wage and on a relatively short contract, so the total he'd receive if his career ended in ok, but not amazing. A new contract with Brighton (including a release clause) would increase the wage and length of contract, insuring that a career ending injury (however unlikely) would still see his whole family wealthy for the rest of their lives.Nobody is saying he will get injured but the reality is that it is a possibility. They are not separate points. Get compensation when your career has ended when you're on $£35k a week is very different to getting compensation when you are on £165k a week! Surely you see that?
Now of course a new contract with Arsenal could see them even richer, but that wasn't the point being debated. The point was 'what if his career ends, he might want to be sure his family is catered for'. With a new contract here, they could be.