Also to add context -
Ken was in the primetime run where he had to risk $475,000 to attempt to answer the million dollar question. He could have walked away with $500K.
Josina was in the syndicated "jump the question" era. She answered 10/10 questions in the "shuffle" round, correctly answered her $100K question, jumped the $250K and the $500K questions to see the Million Dollar Question. Thus it was walk away with $100K, get it right and win the million or get it wrong and tumble from $100K to $25K.
Significantly different risk/reward. IMHO to attempt to get the grand prize I would pretty much gamble $75K to gain $975K every day of the week. That being anything over $250K on syndie millionaire paid out the rest in the annuity so I would imagine other contestants over the years *might* have stopped at $250K for that reason (although we'll never know!)
Side note: I got to see someone play for $500K during syndie millionaire (shuffle era). Tense stuff in studio!
R