That's utter bollocks. Going for the top scorer in the league is not desperation. It is a statement of intent. Going for Danny Ings as plan B would be something the rags did out of panic. Or bringing Ibrahimovic or Cavani in or Di Maria. Buys that have been made based on name not an overall strategy.
We have a plan and identified Kane as someone who could improve us. We are willing to pay a certain amount for him and Spurs want as much as possible. Deferred payments through add ons wont hurt us. We have an academy loaded with players that can bring us 20-50m a season which covers the additional costs.
There's no threat of us going bankrupt. We have plenty of assets like Bernardo, Jesus, Laporte etc who should an acceptable offer come in can be shifted and bring in enough money for us to win the net spend trophy Liverpool are so proud of.
Value and worth are hard to define in football. You can't compare it to a car because of so many unknowns. If Kane comes and scores 20 a season and we continue to win things then the club will view it as a success. If he comes and scores 30-40 and we win the CL they'll see Kane as a steal for the cost quoted.