5 pages of Sherdog millionaires with their "A million dollars isn't a lot of money" nonsense.
Is it "never work a day in your life" money? Probably not, but its a decent house free and clear almost anywhere, a few hundred thousand in the bank/to invest and plenty of spending money (provided you don't go completely crazy). If you have a decent job and are a responsible person, it's a guaranteed ticket to a comfortable, upper-middle class life.
The psychological toll of gambling on the billion and ending up with nothing would be devastating, unless you already have significant wealth.