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.