I like this one because, even though it’s a hypothetical, I always think these scenarios are going to involve me getting shafted somehow and it turns out they never had that billion and they just wanted you to experience having 100 mil for a short time so you know how much you lost and laugh while watching you piss it all away on things you didn’t even necessarily want.
Your way has a nice insurance policy to it if they weren’t good for the billion.