Also, one can view this as trading risks for other risks. Someone who works in construction 50 hours a week for $30,000 a year should snap push the button for a pretty low amount (maybe like 300,000 or less) and quit his job. He's be choosing a 1% straight up death risk in place of an aggregate similar death risk over time (read: health risk). He could use the money to invest in himself to work in a field that has less detriment to health and more reward for his time.