If you're ever offered a 1M job, you accept it and figure out the risks later. It's much better to fail after collecting 1M, than grunting for 10 years thru a risk free 100K job.

I remember a similar conversation with a CTO of some cheap company that wanted to offer me 100K and arguing that he knew many risk takers who took on high paying jobs in bigger firms and failed. That was many years ago. Now my comp is approaching 1M, my job is super risky and demanding, but I don't care as in the worst case I quit with enough money to not work anymore. I know many vps and execs in smaller firms and their attitude is the same: they don't give a flying f..k so long as the pay/risk ratio is appropriate.