I wasn't even thinking of the billions dollars really. Just look at it like this: You're gonna be responsible for ONE person's death, no matter what. So why would you be guilty of saving your own life and in the process ending someone else's (who never asked to be in the situation)? Sure, you wouldn't want to kill someone. But if you die, then everyone who loves you won't ever be the same again. So in reality, you're giving up your life, the well-being of people you love, and then the billion dollars for a stranger's life? That's just too much for me.
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