NBA owners reluctant to spend money due to personal financial issues are not uncommon.
For example, the Brooklyn Nets were later sold to a Russian tycoon.
Right after acquiring the team, he splurged on assembling the crazy "Four Giants."
However, after failing to win the championship and facing turbulent international economic conditions, his assets shrank by more than half in a flash, and he immediately sold off the team and fled.
There was also the Rockets' owner who, soon after taking over, likewise splurged on building the Chris Paul and Harden "light bulb duo," vying for the Western Conference championship for several years.
But then the pandemic struck, his own industries faltered. The investment in the Rockets was abruptly reduced.
The Rockets also entered a stage of tanking and rebuilding.
That's human nature, isn't it? You can't expect an owner to bankrupt themselves but still blindly pour in massive funds to maintain the current lineup.