No, it's really not. If it takes you 5 years to hit your guaranteed $100MM payout, and en route your spouse got hit by a car while you had no insurance and you

No, it's really not. If it takes you 5 years to hit your guaranteed $100MM payout, and en route your spouse got hit by a car while you had no insurance and your child had to skip vital years of college because you had no paycheck, then it doesn't actually matter that the $100MM payout came exactly when it was guaranteed to come.