I guess it's really about risk and reward. He's not heading to the poor house even if he quartered his salary, so taking a 25% cut wouldn't really be too big a deal unless he, Lala, and their financial people are all idiots. Plus NY is HUGE endorsement money. And that's in general, bring a chip and that increases exponentially.
So if he takes a few mill less (whatever amount affords some real flexibility...which is also a massive factor) on the gamble of winning a ring and cementing the HoF and its related glory, you more than make up for any "loss" of money in bigger and better and MORE endorsements.
I know we're looking a global now as well. So if you factor in what it would take to get the chip...it means taking out the Heat. Obviously that means besting the superstar of the league, the self appointed king. If you're leading the team that does that you're the new King, even if only for a season.
I'm just sayin'...