That's short-sided thinking. If he has a Jack Hughes rookie-like season, he's going to severely hurt the $$ he makes on his next contract. If money is the motivator, better to go the A until you find your scoring touch at the pro level.
That said, I doubt money is the main motivator. Guys that make it to the level Smith has are usually huge competitors and I would bet signing this year had as much to do with not being overshadowed by Celebrini (whom he just got passed over for the Hobey Baker, even though he well outscored him) than it did wanting to make a couple hundred thousand extra this year.