I think scenarios like these are relevant more in areas of psychology even though they can appear to be relevant in probability. One way of seeing this is if you replace the numbers with 1 trillion and 100 trillion; then you clearly see that it's a psycho-social issue and there is no need whatsoever to risk 1T to make 100T

If you have enough of a steady income and personal ambition, then probability can be the dominating factor because you can view this as one part in a series of bets. But without that, the outcomes aren't worth the risk