For the performing teams that are an attraction not just because of money you mean. If we were a top four team in the competition we could recruit like those "cap cheats" too...
But only because there is the implied promise of being a high value player if you are part of that successful side. Either way, it comes down to money:
1. Take a high paid offer with a lesser club.
2. Sign up for less money with a top side, and gamble that you will eventually be offered a high paying contract with them, or go to a lesser club.
Players have to be aware that their high value is only good for around ten years on average. How much they are happy to be paid less than they're worth is up to them. If they can invest and grow their income, then playing for less is not a big issue. But, they don't know how long they have in the top grade due to the risk of injury. Best to go for top dollar while it's on offer. A smart player should always have his eye on what comes after playing in the NRL.