2 things. The insurance plan allows fighters to heal up on the UFC's dime instead of fighting hurt just to make a paycheck to cover that torn ACL. And unless your name is Dan Hardy, the UFC will cut your ass with 2 losses and sometimes even one loss so taking a fight at anything less than 90% physical condition is risky and putting your job on the line.
And I'll add a 3rd that applies only to the rich fighters. When you are GSP making huge money off the UFC and sponsors, you dont need the money anymore so he isnt going to fight unless his skin is clear (sponsored by Pro-Activ), his chi is centered (sponsored by Green Tea herbal supplements) and his muscles arent too sore from dancing at the local metro disco (sponsored by Ben Gay). There simply isn't any pressure on him to fight other than Dana screaming into the phone and since he is petrified of a loss hurting his aura and sponsor money he isnt going to risk fighting at less than 98.356% healthy and then will throw his heart and soul into getting that safe decision fight with no risks.
And there you have it.
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