Ryan may want cash, but he certainly doesn't need it. Have you heard how much he gave to NU to put his name on a new football stadium?
While he may not want to pony up the remaining 80% to buy the team outright, all he needs is another 30.4% to become majority owner at 51%. Although he is a multi-billionaire, he isn't crazy wealthy like Musk, Bezos, Buffett, etc. He may not want to tie up most of his wealth in a majority ownership position with the Bears.
Honestly, I don't want Ryan as majority owner. Nothing against him or his family, but I want a majority owner who has at least several times the wealth as Ryan and who is super driven by ego to be a winner. I don't want an owner who requires immediate ROI through profits. I want an owner who wants to build an empire through sustained extraordinary success on the field.