I completely understand having a low risk tolerance. But I think discounting stock offers by 100% is going further than is reasonable even for the most risk ave

I completely understand having a low risk tolerance. But I think discounting stock offers by 100% is going further than is reasonable even for the most risk averse person. Put it this way, at the limit. Company A pays $120k + $1,000,000 dependent on the result of a random number generator where there is a 99.999% chance that you'll get the money. Company B pays $125k. All else being equal, any rational person would obviously choose Company A. But if you're saying you discount variable pay by 100%, you would choose company B. Or think of it another way. How much are you willing to pay to avoid loss. What you're doing is equivalent to buying insurance to avoid loss. How much would you pay for such insurance? There has to be a limit.