West Ham is insisting on £100m for Declan Rice shows that English players are absolutely overpriced the club wanted to cash out from his sale, Man City offered £80m with £70m instant payment yet that offer was rejected by West Ham the offer is even better than that of Arsenal who offered £75m payment in four instalments, though Arsenal is will launch their third bid any moment from now personally I think whichever club between Arsenal and Man City that eventually sign him must have had taken a gamble because he didn't worth that value beside there are quality and better midfielders whose worth is less that of Declan Rice yet can offer better or equal service on the field of play.
Which one you refer better than Rice? almost of good midfielders already joined big clubs, Rice is one of top tier midfielder who's still playing for mediocre club, there's a big change Rice will join big club since it's his dream and West Ham also make good amount profit.
I don't think signing Rice is gamble, this guy have been proven his performance is really stable for 3-4 years in West Ham, unlike other player who's only played good for 1-2 years.