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This is framed from George McCaskey's perspective, not you as a fan. What I'm trying to get through to you is that the amount of money any head coach makes should mean absolutely nothing to you, because it doesn't affect anything.
I can understand a fan's outrage over signing a player to a bloated contract because of the salary cap ramifications, but the same logic doesn't apply to a coach.
It is a question of good business. Just because it is not my money doesnt mean I want my team to waste money.
As TL notes what if Harbaugh sucks? The fact you gave him 15m a year means you are less likely to make a change becaue you arent going to want to fire him if he has say 2 years left and thus you would have to pay him 30m.