Oh I don't necessarily think he's worried about money short of him trying to emulate the McGregor lifestyle but I seriously doubt One or PFL will offer him in the region of 20+ million without it being for at least double digit fights and brand work for the company when he retires. Of course it will be in their and Franks' interest to insist they have offered a sum far greater than what the UFC offered but given he and his team are on record saying win or lose he would have got 8 mill alone for the Jones fight surely you'd have to be skeptical. Whilst other organizations do typically overpay for UFC talent that's a ridiculous amount for a guy who is nigh on 37, coming off an injury layoff that is fast approaching 1.5 years and has never proven to be a PPV draw.
I don't speculate as much as you and Sherdog do - this kind of wild speculation is useless to me.
If I stick to known facts, it looks like this:
Francis didn't want to stay with the UFC for $12m over 3 fights - he felt (1) he was worth more and (2) he wanted more freedom to box, etc. and (3) he didn't like how he was treated by the UFC.
This is his job. So he went and applied elsewhere. He got offered "20m guaranteed" by ONE and turned it down almost before meeting - what does this tell me? A lot.
He is *rumoured* to have signed with who he turned down the alleged 20m deal for and (1) his trainer says that deal is for the kind of money he wanted. (2) And it is *rumoured* to have a boxing component. (3) And, presumably, Francis does not expect to be treated as poorly by them.
That's all we do know so far. And by any objective measure (comparing his three dissatisfaction points with his UFC deal, with those same points under this rumoured PFL deal) this is a great improvement in his work life.
At this point we don't know what the PFL offer is, but I don't believe he left $12m at the UFC for 3 fights to score $20m for 10+ fights and brand work when he retires for a smaller org. The ONLY reason I'd believe this is because one random poster on Sherdog feels this way.
I'd be an idiot if I formed my beliefs not based on known facts and disclosures, but on the feelings and suspicions of one admittedly uninformed (you have no inside knowledge of what PFL offered) Sherdog poster. Hopefully you can credit me for forming my opinions more wisely than that, lol?