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Best answer is depends, they get fined in the preseason where there are no game checks, then they lose their game checks and subject to further fines.
Usually the fines are only there help the team have a better negotiating position as they usually end up getting waived when they come to an agreement.
The problem this year though, is that the new CBA now makes holdouts extremely difficult for players. The fines can’t be waived anymore by teams AND players no longer accrue time played or contract years when holding out.
Which means, even if Njoku held out all season, he would still be in the same contractual position next year, but with a years worth of unwaiveable fines.
The NFLPA is really so weak, and let the owners kill their ability to holdout.