In Paterno’s case, financial greed (the institution) plus reputation greed.
In the Church’s case, more complexity. This is a 2,000 year old institution that will continue to persist no matter if there’s coverup or disclosure. Were the Bishops greedy for preservation of personal reputation? Not as likely. Were they cowards: yes.
No one can truly know Paterno’s motivations except Joe Paterno and God.
I tend to lean away from the “financial” aspect. I truly do not believe he was motivated by money.