Floyd fighting Quillin would be akin to Jones fighting Ruiz. Public perception is that Quillin is the weakest of the champs at 160, like Ruiz was at the time Jones beat him. That perception probably mirrors reality too. It's still a risk though, yet one that is likely to go unrecognized. So you end up with the risk of fighting someone 2 weight divisions above you without the cache that comes with 'Heavyweight Champion of the World' that Jones got. Why wouldn't Floyd just fight Shawn Porter? Wouldn't the risk reward deal be about the same?

Also your analogies are fairly cringeworthy.