late-night J.G. Wentworth TV commercial aimed at beneficiaries of "structured settlements," which are basically annuities paid over time. You can cash out one of these settlements for a lump sum, but obviously at a discount. Alex J. Pollock at the American Enterprise Institute asks if you'd take 80 cents on the dollar for your expectation of Social Security benefits. Would I? Does the Pope have lips?
The problem, of course, is that it's not your money. It's not even money. It doesn't exist at all. So on that basis, heck, I'd take 10 cents on the dollar and feel like a successful bandit.