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wilder's net worth right now is less than 40M. adding one hundred million to that isn't like someone offering you twice your annual salary. it would've literally tripled everything he's ever earned.That's your opinion
Another opinion is that for someone who is something of a demonstrable PPV commodity in the US, to fight a british fighter who is less of a ppv commodity in the US, in a unification where the income isn't only capped, but capped at a level where you are the b side in the 1st AND the b side in a rematch even if you win, is not as good a deal, as it might appear. Almost historically bad for a unification, where you are away from home (and before you say it amount of belts, isn't all important look at the amount of belts ruiz has vs AJ and look at their fees in the rematch)
People talk about $100m, its $40m to fight AJ, about twice WIlder's current fee. It's like someone offering you twice your annual salary (call it 80k) for a lottery ticket that could be worth 50k or 100k or more, some would take it, some won't
Both opinion are there and more besides
But the salient FACT which you avoiding, is that Ruiz meant both these opinions are empty theories, as he beat Joshua before any deal could be fulfilled.
how is wilder a PPV commodity? is he making 40M per fight with his amazing PPV ratings? no? then your reasoning doesn't make any sense.
the FACT that wilder's fans are avoiding when they bring up ruiz here is that no one - wilder included - expected AJ to lose. let's not pretend like wilder held the contract in his hand and said "oh well, AJ is going to lose so this is worthless". the world expected AJ to murk miller, and when miller was replaced by ruiz, everyone and their mom expected AJ to murk him too.
besides, even if wilder had somehow known that AJ would lose, he was offered 20M to fight breazeale first. he refused the deal and fought breazeale for 12M instead. he left 8M on the table for that fight alone. are you trying to suggest that he will have made more money fighting fury and ortiz than he would've with that extra 8M for breazeale and whatever the fuck they were going to pay him for the other two fights? yeah, right.
for years wilder was saying hearn isn't offering enough money. the fight was in negotiations several times, each time for purses far larger than the last. maybe refusing a 5M deal made sense. maybe refusing a 15M deal made sense. but refusing a hundred fucking million dollars does not make sense, for any boxer, offered to face anyone.
he was offered an unprecedented amount of money to fight the guy he's supposedly chasing. refusing it can mean one thing, and one thing only.