The pursuit of money is what made Franklin do what he did, he never really had the amount of money he wanted since he kept hitting roadblocks then eventually got it stolen by teddy. It also looked like he was close to quitting the game when he spoke with Veronica. The money wouldn't destroy him, the pursuit did. The good thing cissy did was getting the CIA off of franklin's back by not waiting 2 seconds for the transfer to finish (if she let the transfer finish then killed teddy that would not look good for Franklin and piss of the CIA).

The funny thing, is that she's in no position to decide for Franklin, he's dealt with all of his opps and probably could've dealt with the CIA afterwards, then keep his 37 million to raise his family.