There's a third option for when the sum is really huge, like more money than you'll ever see in your life: find a good lawyer who can arrange transferring the money into some kind of trust fund, perhaps in a different country, that benefits your children, then wait for the knock on the door, expect to go to prison for a bit, but your children may be allowed to keep the money, and they might support you when you come out of jail. I think I read about a woman in New York successfully doing something like that with an accidental transfer from the United Nations, though I might be misremembering.