The real challenge, the "game" part, is refusing the offer until it no longer makes sense to do so. For example, from last night's game. If you had $250,000 in your hand, would you risk it for a 1 in 4 chance that you could lose it all in anticipation of a larger sum? I wouldn't. But the woman did. It paid off for her, and the next offer (which she accepted) was $407,000. But she risked $250,000 to gain $157,000. That wasn't a good bet. She won it, but it wasn't a good bet.