I heard the same thing about his wife coming up with the idea. Is it better for a team to pay a lump sum or pay over a long time period?
it depends on the terms...there is a "time value" associated with money so for same sum, all else equal, you want it now
if you are an unsecured creditor, you also arent going to get paid in the future if the entity that owes you goes belly up
so like everything in business/gambling, it is a calculated risk depending on the terms