It's true that money isn't everything, and Messi certainly prefers his family's interests and comfort in America because the culture in Saudi Arabia is very different from that in America. And of course, in America, Messi still has a lot of money, and if I'm not mistaken, when he retires, Messi will be given a stake of approximately 7 to 10%. So, if Messi were to leave Inter Miami, it would certainly mean that he wouldn't receive that stake in the future, or even after he retires from football.
Lionel Messi has already earned a lot of money in his player career and even it's wrong to say he does not need more money but I believe that earning more money is not too important with him. What he cares more is his family future and growth chances for his children, so surely the USA is a better choice than the Saudi Arabia.
I believe that it is his main reason to refuse offers from Saudi Arabia, not only in 2025 but in latest years since World Cup 2022. It's less likely that he will change his mind and accept any offer from Saudi Arabian clubs in this summer and future. He will stay in the USA and MLS until his retirement that I think might be announced after World Cup 2026.