Not much of that is really known for definite though is it? How about alternatively, Barca have been trying to push him out for weeks, knowing they were in a mess with their wage bill and knowing that there was a chance La Liga wouldn't sign off on all their lever income, and FDJ is happy to leave but only if he gets all of his owed money? You mention 'coming to an agreement' but why would he let you weasel out of any of it? You suppose he wants to stay for the love of the club but I'd argue there is just of much of a chance that he would be happy to leave Barca to their shenanigans if you weren't constantly low-balling him during negotiations. There is nothing out there yet to make your theory any more likely than that one.
If the Chelsea stuff is made up and coming out of Barca, a valid possible explanation could be that you are doing it to coerce United into telling FDJ to write off whatever you are trying to get out of paying and making up the shortfall ourselves. Do you not think Barca would consider that strategy?
All the Chelsea stuff could be true, all the stuff about him not wanting United could be true, but after the circus at Barca during this window and the way this story has run, I don't think it is mental gymnastics or conspiracy theory if someone thinks there is a decent chance that whatever is stopping FDJ from leaving is being caused by Barca's ridiculous financial trickery.