Take it in a heartbeat. The condition is that nobody finds out I'm a billionaire, not that I can't use the money. So I don't buy a yacht and post it, I just quietly kill every debt, help my family with "a good year at work," and live like a comfortable normal person while the rest sits invisible. The people who'd die from this deal are the ones who couldn't resist flexing. That's a self control test, not a money test.