I think you are mistaken in several of your assumptions. The official autopsy literally labels George Floyd's death a homicide:
> But the report released later Monday by the Hennepin County Medical Examiner's office said Floyd died of "cardiopulmonary arrest complicating law enforcement subdual, restraint and neck compression." The manner of death was ruled homicide, but the office noted that "is not a legal determination of culpability or intent." [emphasis mine]
And it's another mistake to assume that the county medical office is "independent," as I think you are suggesting. They work for the same municipal government that employed the police officer who killed George Floyd, the same entity that would be subject to a lawsuit for his wrongful death. They have a clear financial and reputational incentive to find that Derek Chauvin did not intentionally kill George Floyd.
The issue of motivation is not a "problem" in any sense. To answer your question, "What possible reason could Derek Chauvin have to murder George Floyd?", you might ask what reason an NYPD officer had to choke Erik Garner to death with a baton, to take just one example of the police killing an unarmed black man. Having said that, Derek Chauvin and George Floyd both worked security at the same night club during the same time period, with overlapping shifts, so Chauvin may have had specific motivation to attack him. But recent history has many examples of police assaulting and even killing Black Americans for no discernable reason.
https://www.cbsnews.com/news/george-floyd-death-autopsies-ho...
https://thehill.com/changing-america/respect/equality/502006...