Unless the academic money is really athletic money (which happens at some DIII schools) the coach is not giving your student athlete anything for their risk of applying ED. Someone expecting the maximum academic scholarship should be an admissions home run.
If not getting the $22k is a deal breaker for you, you have to put your foot down. I am sure the school itself tells you not to apply ED if you are counting on merit money to attend.
Your student athlete can/should put the blame on you when they interact with the coach. “You are definitely my first choice, but my parents are worried about the finances, and won’t let me apply ED. I would like to apply EA, and if the scholarship comes through, I will be 100% committed and won’t apply anywhere else. Does this work for you?”