If I understand the article correctly, the equivalent here would be that the bank owed you $3 million to be paid over the next 10 years but paid it all to you today in one lump sum.

Now if they had paid you $5 million, that might leave you open to a fraud charge if you spent it because you were never expecting that much. But if they paid you the $3 million they were going to pay you but just 10 years early…is it different?

That said, I reckon it’s clearly an error. ;)