I agree with you. Unless I misunderstood the question; the theoretical "right" answer is just wrong. Let's make it more practical. There is 100k in the table.

I agree with you. Unless I misunderstood the question; the theoretical "right" answer is just wrong. Let's make it more practical. There is 100k in the table. A guy tells you, head you double the money, tail, you stop, and get what is there, but you have to pay a fee. Obviously, up to 100k for the fee, it is no brainer, head you end up with at least 200k, tail, you go home with 100k, same as the fee you paid. BUT: are you willing to pay 120k? 150k? Mathematically, you should, as the probablity of winning is a lot larger, but realistically you have 50% chance that you might loose 50k right away. Assuming that all your savings are 100k, would you have the stomach to a accept this risk? Most normal people, probably not. But according to this lawfirm, you should. Maybe this thinking got us in trouble in the first place.