You can have 1 billion dollars but you must earn 1 million dollars from scratch in the span of one month
From scratch means if you happen to have a business now you can't use that money to make the one million or sell your house or items or body parts for money. Also if you are just employed. You need to start from scratch if you can create a new business and make 1 million in one month on it then it is eligible.
No loaning, you can steal money BUT if you are identified NOT JUST CAUGHT, just identified in the span of one month you are automatically default. Also the money can only be in cash means no crypto, if you gain 1 million in one month you need to cash it out if it's in the bank.