You can argue/doom boner that the Cubs simply won't spend the money. Fine, I hate Ricketts too. But to say they are running on out realistic scenarios is just wrong. Let's say they have $60m to spend in AAV. Here are available players that get slot into positions of need (first, center, third, DH, starting pitching), their projected AAV, and projected fWAR.
Montgomery, $21m, 3.2 fWAR
Snell, $25m, 3.3 fWAR
Imanaga, $20m(?), 2.6 fWAR
Chapman, $20m, 2.6 fWAR
Stroman, $22m, 2.6 fWAR
Bellinger, $24m, 2.4 fWAR
Giolito, $15m, 2.3 fWAR
Paxton, $8m, 2.3 fWAR
Hoskins, $14m, 2.0 fWAR
Manaea, $12m, 2.0 fWAR
Montas, $8m, 1.9 fWAR
Soler, $16m, 1.9 fWAR
Bader, $9m, 1.6 fWAR
Most of those dudes, especially the first 10 or so, would be clear upgrades to our current roster. And that's before considering the fact that we have a top farm system, a pretty hectic 40 man situation, and an expectation to win now (ie, all good trade conditions).