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They're not going to give him 20 million to step aside. That's a ludicrous number. It would probably be a few million at best, but Wilder would make much more by taking the fight and it's the only opportunity he will have to win the belts back. He's not going to walk away from that for a small cash out. Fury has even stated he wouldn't even pay him 2 million to step aside:
https://www.youtube.com/watch?v=BwjzO8TybsUIt makes sense for Fury to take the fight as well as it will almost certainly be his biggest payday win or lose. If he loses they'll likely fight again with an even bigger payday, but wins he just goes on to the next biggest fight but right now that's the Wilder rematch.
Fury is confident that he will defeat Wilder and he is taking it seriously as he really understands that a simple mistake could end a fight in the heavyweight division and spending money to step away will give Wilder more power while negotiating the pay scale at a later time and with the current contract Fury will earn the bigger pay.
I don't think so, I've seen a lot of fighters who are beaten many times already but they are still fighting, of course if Wilder will lose, although he lose twice but it's just from one fighter only, and he can still fight another boxer that could still generate money for him. Boxing is more on because of money, not because of ego, or whatsoever, these guys are living a different lifestyle than the normal people, so they need money for that which they can only get when they will keep fighting. Wilder at 34 years, he still have a lot of fights left even if he lose against Fury.
Most of the part any boxer who losses for the first time will not take it very well especially in the heavyweight division because the main strength of Wilder was his intimidating factor and once that is gone then no one would be that worried and will try to replicate the blue print they have and the interesting part is whether Wilder can change and sharpen his style. Even i believe that Wilder could defeat many heavyweights but another loss could damage his reputation and that will impact in pulling a huge crowd.