It's much more preferable to take the money - and it would have been even much more preferable if Putin knew that from the get go.
In fact - if Ukraine were to have had that $90B 2 years ago, it may have accelerated the situation (though not guaranteed).
This is not 'EU strategy' it's EU crawling out from it's own disorganization.
This is Putin's only great advantage - to take advantage of complacency, bureaucracy, and inability for European nations to react with coherence.
If the EU was organized, Putin wouldn't have been able to make a move, not even in 2014.
The same thing in tech: no cloud, no mobile - and now no AI. These things have real ramifications.
For example, Ukraine's' decisive advantage right now is Starlink - as much as I don't like Musk, and that he has been allowing Russia to use it for years (turning a blind eye, though that is stopped now) - it's now being used by Ukraine to assault 100Km in the rear and could 'turn the tide' of the conflict.
Europe has no 'Starlink' because it's disorganized and complacent - and the Starlink competitor is years away, will be minimal, may never happen.
So even as the technology proves to be 'plainly decisive', the reaction is not strategic or organized.
Russia and Iran figured out how to jam Starlink.