A million for sure.
I’d be comfortable and happy as I’d carry on working and enjoy a few treats.
If I lost it and got nothing I think I’d be borderline suicidal
If the money were coming from the likes of Musk/Bezos/Gates etc I would flip the coin and hope to put the money to really making some changes in my community.
If it were coming from something like the Lotto or the government I would take the million. No point depriving tax payers/my community so i can live comfortably.
Never had the money to begin with,So would flop the coin A million could change my/close family life's.
A billion could change the life's of future generations throughout time