A better way to ask the question is:
You're invited to flip a coin on March 6 at noon, EST, at a specified venue. If you win the coin flip you win $40M. If you lose, you leave with nothing.
You get a call the night before the race from an unknown individual. He gets straight to the point. He wants to buy your spot in the coin toss the next day. If you accept his bid, he will wire the amount to you that instant, and he replaces you.
How much would he have to offer in order for you to say yes?
Some of you nikkas would sell at $25K
Ol' "i can flip $20K into $20M" head asses