The Bet

My brother was telling us about a friend who laid down $200 on a 10,000-1 bet that the Detroit Lions will go 0-16. When the Lions lose today at Lambeau, that $200 will turn into $2 million.

But, he was offered $1 million to settle it prior to the game. So the question is, would you take the $1 million, or let it ride to the game today? I would let it ride, because the Lions have exactly 0% chance to win. So it's less a bet, more an investment with a guaranteed return. They argued the opposite. They said that $1 million is enough to live off of for the rest of their lives, if invested properly.

Any thoughts?