I think you are missing the other aspect, the psychological miss. These players, like all professional sports people, have largely become institutionalised via their work. Whether it is the training, the routine, the chatter, the identity it gives them, I suspect that is far more to them than the money. None of these guys need the money but they need to be a pro golfer still. If not, what are they? Too many can't handle that question. Champions Tour gives them the extension to their career that allows them to withdraw graciously and at their pace.Hardly surprising really. Why would any of the real top players in today’s game consider playing Champions tour, they have all the money in the world have accomplished everything the game offers and don’t need to spend even more time away from home in effectively their retirement years.
Champions tour, Staysure tour etc will going forward continue to be for middle of the road players looking to earn some decent extra coin and achieve things they didn’t manage in their regular career. The likes of Langer etc going down that road is going to become far fewer but you may see the likes of a Fowler etc do it where they’ve under achieved a little.