100K is a huge limitation especially for building revolutionary product :)
Another reason why this is an excellent question is that it forces people to follow a very simple single instruction. If a candidate can't even do that, such as getting in irrelevant discussions about financial burdens, why would I want to hire them?
Frankly, I find your strategy for making new hires to be absolutely absurd.
> how would you build it?
Following simple instructions is hardly absurd.
"You're a skinny little nerdy freshman in high school with no social circle. How do you get the hottest, most popular senior cheerleader to go out with you by the end of the year?"
to:
"How do you ask a girl on a date?"
Interviews are a two-way street Michael. I'll call you.
The inability to understand a simple question and provide a valid response is a problem, but fortunately you don't have to hire that problem.