It is gambling but isn't that what most things are in the real world. In order for you to get somethings sometimes, you have to be prepared to risk losing that which you have to gain more. And I only used that example because that was what came to mind at the time.

because in that case you had actually nothing to lose from your side which was unrealistic.

You actually do have something to lose because in this case, the 100k is as good as yours.. All you have to do is say you want it. But then if you choose to go for the coin toss, then you're deciding to risk that 100k for something bigger.