Yeah, the point is that if Coutinho's contract was expiring in 12 months and he had turned down an extension, everyone would know that Liverpool would probably have to sell or risk getting nothing for him, meaning Barca could offer a market rate. In this case, Liverpool have him under contract for 5 years, so they were under no pressure to sell, and Barca would need to make a huge offer well over the market rate to convince Liverpool to give up the several years of control they have over him.
Another thing to remember when you hear all these numbers thrown out is that not all transfer fees are equal. A 130 million Euro offer where you receive a check for 130 million is much different than a "130 million" offer where you receive 16 million a year for the next 5 years, plus some big bonuses that aren't likely to be met (like the player winning multiple Ballon d'Ors or if they win multiple Champions Leagues).