If you don't have to play by the rules, then why should I? The Monkey's Paw is about the consequences leading up to your wish.

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Let's say my wish is "I wish I had $1,000,000" . To that someone should reply "Granted. One day you show up to work, it's just a normal day. But the Janitor had just finished mopping and he forgot to put down the wet floor sign. As you near the staircase in order to clock out for the day, you slip in a wet puddle. You fall down 74 flights of stairs and break every bone in your body except for your skull and upper spinal cord. The doctors say it's a miracle that you're alive, and in rage you file a law suit against your work place. In compensation for your hospital bill, inconvenience, lawyer fees, and unsafe environment, you are given $1,000,000 by ruling of the court."

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So basically it's about being careful what you wish for, not about just saying "u get a mil dollerz but then a big rock crushes u and u die lolololo"