Why would you turn it down? I mean... I guess I haven't thought about it. $100k aren't going to make a huge difference in your life.

I'd also imagine the money would come from the scammers. Not from the bank. If I write you a check for $95,000 and I don't have that much on my account, then it bounces and you don't get the money, right. We can conclude the scammy company paid for it and their advertisement how to make %95k in 3 weeks was actually pretty accurate.

Reminds me of that British ad company which sent out emails to millions of people promising $10,000 for the first to respond with their name, address, social security number, and bank details. One guy actually responded, and they went to visit him to hand over the $10k :)