Think of it as having a product to sell, that it is only saleable for a short period of time, with the future not clear beyond that time. An Everest guide, while your lungs and knees hold out; a rock star, while you still have your hair, charisma, and voice (which often doesn't seem to matter) ; A TV personality, while your face and name recognition are at a high level; an inventor, scientist, who has had a recent success; an actor, after a Golden Globe or a ten-figure movie profit. "Strike while the iron is hot" is not just for the Village Blacksmith.
Bryce Harper took the money, and Zion Williamson will do it as well (apparently it helps to be named for a National Park, so I will change my name to Dry Bones) Why shouldn't these talented women do it as well?
Shouldn't Stewie's injury simply be a cautionary tale of injury risks, and the need for some sort of guaranteed money?