Have to look at it like they’ll be living off that money for the rest of their life. So yes they’re going to take the deal with the most guaranteed money as that has a huge impact on their quality of life and ability to support others throughout their life. That $3m a year makes a big difference.
NBA contracts are guaranteed and injuries not as bad, plus the stars get the max so a lot actually do go to the better team and there have been several stars who don’t take the super max to play to a competitive team. But max players don’t have to worry about money like most non superstars in the NFL do.