Phil Grayfield was once an aspiring football player. His career ended when he saved a child from falling and suffered a horrific knee injury. He became a reporter and interviewed an eccentric football superfan, who happened also to be a scientist. This scientist designed a new, almost indestructible football uniform, which has to be molded on an "individual basis" and costs five million dollars to construct — so is "worth a fortune".
Suddenly interrupting the interview, thieves raid the eccentric's house, overwhelm the two of them, steal a van load of NFL merchandise (but strangely not the uniform), and torch the building. Grayfield, who is tied up, knocks over experimental chemicals, which — in combination with the fire and diverse ultra-rare football souvenirs going up in flames — do not incinerate him, but turn him into a near-invincible superhero.
Grayfield puts on the eccentric's football uniform, thus notably not bringing his million-dollar suit back to him, and brings the villains to justice and dedicates his life to fighting crime.