Oscar has always taken the most challenging matches
Exactly.
I have never liked ODLH but I don't think that he's scared to fight Margarito, I really do think the only reason he's not fighting Margarito is sincerely because he wants to go out beloved and cheered for by all. Fighting Tony (who's establishing a big Mexican fanbase now) just isn't the way to do it. That fight will be split between the mainstream audience/ women rooting for Oscar and most hardcore boxing fans/Mexicans rooting for Tony. ODLH has always been insecure about how he's viewed by the Mexican people and he knows that Mexicans would root against him if he fought Tony. ODLH is a narcissist that can't take being booed or hated and has to be loved by all so there's absolutely no way he's fighting Tony.
Didn't see it that way, I agree. Look at what happened after he faced J.C. Chavez. He wants to leave with a good paycheck, victory, and fanbase. It makes sense.
The only negative for ODLH is that the fight wouldn't sell as much as a Pac or Marg fight but with the right promotion it will still do very well.
Wouldn't sell as much but making it his FAREWELL FIGHT might still make some numbers. He would still leave with a fat paycheck if he fought a bum, no doubt.