I don't read it as saying it's literally worthless. Large payouts happen rarely enough that if you want what most people want, you should make the decision for

I don't read it as saying it's literally worthless. Large payouts happen rarely enough that if you want what most people want, you should make the decision for reasons other than maximizing your worth. Assume it's $0 for decision making purposes, and be pleasantly surprised if it isn't. (read literally, this would be an oxymoron)