true but you're not really in the mindset of people with this wealth. Often they have other commitments on their funds not directly linked to living expenses. Perhaps they have ring-fenced a large proportion to investments and building businesses outside the game.
My FIL in his prime had 35+ retail units and other companies buying and managing commercial properties, often large sums would be required upfront and on an on-going basis to get them to the point where they start to generate a steady income which is then reinvested into further properties.
These players in most, are well advised and likely investing heavily in their future, and forecasts will be based on their current income. Players like CE and Dier have quite a lot going on outside the game... Winks strikes me as a similar sort of lad.
For a player to take a drop in salary they need to consider the impact on their long-term investment strategies, the knock-on effect on their families, and balance it with their desire to play first team football.
Tough one to call IMHO and not black and white.