Some people continue to judge this according to whether these players are choosing between riches and poverty. That's not the issue. Obviously they are going to have money enough to live at least comfortably, and yes, be able to feed their kids, but that's simply not how people - and I'm guessing any of us - see things. A footballer's aim is to make it to the top, to have money to live a better than average life, to set his kids up, buy mum and dad a house, and yes, drive a flash car, etc etc. The "I want to play football every week" probably slots into the list of priorities somewhere, but not necessarily right at the top, overriding everything else. For some, maybe it does, for others maybe not.
Also, do people apply this maxim to all the players who sign at clubs as back-up, or as squad players, knowing they are waiting on injuries or mistakes to get their chance at a game? It's a similar situation, the PL is full of players who don't have much chance of a game. Players who are signed by clubs "just in case" or on speculation. Not all of them will go out on loan, are they also to be criticised for taking an option where they're not getting first team football every week?