Taking the red pill operates under the assumption that you’ll actually survive to this point in your life again. Maybe you were one second away from dying in a car accident at several points, and taking that red pill will lead to a series of events that causes your death.
If you look at the usa, less than 0.5% of children die between the ages of 6 and 18. The least likely age for you to die is 8-9 years old, and from about 12 and up the death chance increases pretty rapidly. A 30 year old is already about twice as likely to die as a 19 year old..
so for most people this won't apply. If you survived abusive or negligent parents though, maybe it's different
Depending on how old you are there are so many investments that get you far over that 10 mil, but yes healthcare is a really valid point for taking the blue pill
By the same logic, you might be seconds away from dying if you take the blue pill, I don't think that's a great argument alone. It's more a trade of time, letting you try to fix any regrets, relive the frivolous times, and buying yourself extra time, at the cost of having to go through dependent days again.
Does it increase your chance of dying before you can enjoy your reward? Sure.
Does it also increase the amount of time you get to enjoy it, on average? I'd imagine yes.