Steve Collins vs. Roy Jones Jr.

[Bobthepen]

If they fought in the 90s he would've just been another bum that Roy embarrassed ... especially at 168. I didn't even know who this guy was or if he had ever won anything until I googled him ... he won a WBO strap at 168 but he's pretty much a nobody

For a guy that hypes up Roy's resume and slates Floyd's, you are remarkably lacking in background knowledge on your hero's peers.
Collins was regarded by many as the number two fighter at 168lbs in late '95 behind Roy. Naturally Roy opted to fight former 140lb contender Vinny Paz instead.

he's not like Mayweather who conveniently decides its time to "retire" or take a "vacation" every time a new challenger arises, like Cotto back in 06/07. Mayweather decided not to fight Margarito for $8M and paid him $750K in "step aside" money.

Floyd paid his way out of a contract with Arum because Arum was fleecing him of money, and refused to consider the Oscar fight as he wanted Cotto (Are you aware of the Golden boy-Arum feud?)
I'll quote Arum here "That's not in the cards," Arum said. "He wants $20 million for the De La Hoya fight? It's not there. Sometimes, my man, you gotta know when to hold 'em and when to fold 'em. We'll talk about things down the road."
Floyd fought Oscar in his next fight as a free agent, making $25 million. Arum also stated he would offer Floyd Hatton and Cotto, but that those fights were only $7 million each for Floyd. Floyd followed up the Oscar win with the Hatton fight, and made $25 million. Floyd eventually fought Cotto for $40 million.
Haven't you noticed after the split with Top Rank he never fought one of their fighters again? You're very naive if you think it is simply a matter of one fighter not wanting to fight another out of fear of losing.