

There’s a chance you die and that 2 mil will go to someone else vs your payments just stop.
The 100k isn’t matching inflation so you gain less wealth every year versus your potential 2 mil investment matching or beating inflation.
I think the only real reason to do the 100k a year is if you’re not very financially responsible. Which has been the case for many lottery winners.
Edit: Personally not a fan of hoarding wealth outside enough for retirement/security.
Or just a lapdock. I don’t use DeX but have used a lapdock for LAN parties with my SteamDeck, Raspberry Pi stuff, and server configuration.