#3. Finn Balor needs that Championship in WWE more than Roman Reigns does
Roman Reigns is the biggest star in WWE at present, it has reached the point where the Universal Champion no longer needs a Championship.
As noted by several stars in the past, a wrestler makes a Championship, not the other way around, and right now there is no need for Reigns to hold that title.
Charlotte Flair to return and wrestle a CURRENT CHAMPION?
Reigns has made the Universal Championship prestigious and wrestling The Tribal Chief has become an honor even if the Championship isn't on the line.
Balor has spent the last two years down in NXT and has only recently made his way to the main roster. The inaugural Universal Champion is in need of a push at present and could benefit from the boost that a Championship win would have given him.
As noted, it could be argued that right now, Balor needs that Championship a lot more than Reigns does.