I think agents and their priorities/incentives come into play a lot with these deals, but I honestly think that if I were a "max player" that I'd really rather take a $90M deal than a $120M deal to allow the team to remain competitive. I'm sure Melo has said countless times how much he "cares about winning" and wants "nothing more than to win a championship", but he single handedly gutted that team with his trade request and the team has been in "repair mode" ever since. Just be honest Melo, you wanted to live in NYC and make a buttload of money. Maybe when it came down to it, I'd cave and grab the money, but I really like to think that I'd be fine leaving money on the table to help the team.
Now in order for me to take less money I would have to have full confidence in the front office and ownership to make the right moves and put the team in the best possible place to win over multiple years. I think there are 4-5 teams in the entire league that I'd trust with that and the Jazz are right on the fence as one of those franchises.