I can only speak for myself, and I'm not at $10M, but I can definitely say that for me the lifestyle change would be much greater in that case than in the 10k to 1k case.

$10M is, as they say, 'FU money'. $1M could be, maybe, but with a much different standard of living. Where I live you could easily blow the million just on a fairly standard upper middle class house. Losing most of your 10k on the other hand, while unfortunate, would hardly be life changing because it's not enough to do much with in the first place.

Now, if you reliably earn $1M a year, then sure, losing the 9M probably wouldn't be a huge issue. But that isn't the case if you're sitting on $10M from selling your startup.