You get a million dollars but you lose both your legs and arms.
Hell no. A million dollars doesn't even buy a house in my city.
1 You are offered a million dollars but you lose the love of your life.
2You are offered a million dollars but you have to work a tedious job for the rest of your life.
3You are offered a million dollars but you have to play Total Miner for at least 4 hours, every day, for the rest of your life.
1 If I had the love of my life, not a chance. But I don't so I can't lose
2 I already work a very tedious job - Do I not get paid anything for doing this job after the initial 1 million? If not then no thank you.
3 What kind of question is that? I'll put an extra hour on top just 'cause

You are offered a million dollars, but you need to spend it all in pennies, and no it cannot be converted into any other form of cash, only pennies. You also need to lick both sides of each penny before being able to spend it. (That's 100,000,000 pennies!)