$500,000 now or $10,000 a month for the rest of your life [tax free]

I would choose 10,000 a month, duh, even with currency inflation, the final sum of money I would receive in my life would have more value than just $500,000 now, the only rationalization for getting $500,000 now is if you knew a big cryptocurrency that you were confident was going to blow up and you could put all of it into that investment, and to add if youwere losing confidence in centralized currency systems in countries