You don’t keep the $100M when you get caught

Almost everybody would take $100M for 11 years; that's a $9MM/year return. Which is why that's not the deal.

Since you say "almost everybody", I assumed you have been behind bars yourself and know how easy it is to survive not being raped, stabbed to death, pushed to wolves by other gang or being killed by that gang for not going against another one, being forced to snitch by guards, or being snitch out to other inmates in retribution for not snitching out to the guards, and much much more.

No I don't think you spent a day behind. If you were to, you wouldn't be merely pricing your life at $24k per day.

I don't think you've read much about low-minimum security federal prisons.

You forgot to add female.

No prison is fun to be in, trust me. No matter how "low" it is.

Look up life expectancy in prison. It’s not much worse than living in Chicago.