People that choose the credit score and not the 20k or no bills or a combination of the cash and whatever are the type of people that fall for get rich quick schemes or scammer influencers. I'd only need the 20k monthly because even if taxed in this scenario you still have $14k every month without doing anything. You'd be in the highest income levels as a household at 12% or 5% as an individual in the USA.
Folks coming up with these hypotheticals probably don't understand or comprehend statistics and aren't financially literate. There are scenarios where you could legitimately get $20k monthly like lottery winners, you could live off the interest and none of the other choices matter.
Working 9-5 choice should've been changed to having a 0% apr credit card for life with a certain credit limit, that'd confuse folks even more