As a floyd fan or at least former fan, he isn't scared of fighting pac. He does, however, want to begged to do it... To be dragged out of his mansion my hordes of fans that will boost his ego and tell him he can do it. Then after he does it, he wants more glad handing and statues erected in his honor and keys to every city he lives in for the rest of his life and all this nonsense. He seems to forget that he turned his back on the fans with this "money" business before his fans turned their back on him waiting to come out of another temporary retirement to fight someone beat them and demonstrate his supremacy.
No one is saying he has to fight every 2 months, but when he does fight it proves little because the fight everyone wants keeps getting put to the side so he can throw money at the camera... talk crap from a webcam and try whatever else to draw attention to himself outside the ring for months or years. He makes exits just so he can make an entrance later and announce he's back and everyone can love him again. No one doubts the man's skill, just his intent. He does little to act like a serious fighter who is chasing glory the old fashioned way.
He's paid off his debt, has a house a family and disposable income. He's lost his reason to fight and wants what the other guy has. Adoration... Kind of hard to earn that when you're a talented but fickle primadonna with a big mouth that alienates fans with stuff like racist comments. He could have been happy being a fighter, but he wanted to be a personality... .