cobere hit the nail on the head there when talking about why the 2nd hand is a fold. Sure, you're getting amazing odds on your money, but the 20k chips you have to pay are more important than those odds given your short stack. It's also more of a fold with the MP caller than if it had been folded to you. Double your stack size and this is a pretty reasonable call. Cut your stack in half and remove the other caller and there's again a strong argument for calling. Where your stack is right now, however, is just the perfect place to make this a fold.