Which particular event has P = 10^-21? It seems like part of the pascal's mugging problem is a type error: We have a utility function U(W) over physical worlds but we're trying to calculate expected utility over strings of English words instead.

Pascal's Mugging is a constructive proof that trying to maximize expected utility over logically possible worlds doesn't work in any particular world, at least with the theories we've got now. Anything that doesn't solve reflective reasoning under probabilistic uncertainty won't help against Muggings promising things from other possible worlds unless we just ignore the other worlds.