Exactly! This is gambling, isn't it? A small expected loss, with a tiny chance of some huge gain.

If your utility for money really is so disproportionate to the actual dollar value, then you probably ought to take a trip to Las Vegas and lay down a few long-odds bets. You'll almost certainly lose your betting money (but you wouldn't "notice it in [your] monthly finances"), while there's some (small) chance that you get lucky and "change [your] month considerably".

It's not hypothetical! You can do this in the real world! Go to Vegas right now.

(If the plane flight is bothering you, I'm sure we could locate some similar online betting opportunities.)