What if Kravtsov, Kakko, and Shestorkin all turn into star/superstar players, in 2-3 years they will all be looking for some pretty massive contracts(Maybe not so much Shest as his is just 2 years). But you could easily see those 3 players tied up for 20M+. Now add in Panarins 11m contract and we have 4 players accounting for well more than 30M of our cap. So no, I don't think people are being naive, they are acutally looking to the future and worst case (best case if they all reach their potentials?) scenarios.
Oh and that's all assuminng none of our players go lights out as well and command a lot (Chytil? Miller? Fox? DeAngelo?)