If I was in such a predicament, I would take the $2 million offer and surrender the ticket. I have nothing now. Im up to my next with bills, a fairly new single mother with two children and I am struggling. Two million dollars would help my situation out so much that Id just take it and forfeit the $5 million. I think a persons current situation would play a major role in the decision making process of this scenario. Why risk all or nothing when there is a guaranteed amount being offered. This scenario actually reminds me of the game show Deal or No Deal. Contestants would have a guaranteed amount in front of them but they would take the chances just to try to get more. To me, its just greedy to go for more when so much is already being offered.