High enough that you can't fully trust the guy getting the payout to share.

If someone you just vaguely know made you an offer to get this payout would you accept it or turn them in? Most of us reading this make enough money that we can afford to be honest in cases like this, so it is a moral question only - are you really dishonest enough to cheat?

Yeah I'd accept that, without much hesitation.

I don't know if distance matters. Let's say he found the perfect stranger who agrees to this. I think the bigger problem would be how do they exchange $7,000,000 in a way that nobody will notice?

Money-laundering is cheap and easy.

at minimum a bacon number of 2

AKA Six Degrees of Kevin Bacon