Saurav has enough money to keep Chappel as his servant. He is not playing for money. Players like him (I even saw Kapil playing way past his prime) has passion for the game and they can't quit the game. We will never truly understand why despite every moron demanding Kapil's retirement Kapil played the ODI (against Srilanka as far as I remember) in Hero Cup with painkilling shots in his right shoulder.
Its best that mortals leave the decision making to the players and stop acting as if we are the best judge of the game and the players performance and quality.