You're a young college student who is $[Gender]. You're barely able to keep up with life as it is, but a month ago you broke your legs and had to pay expensive treatment. You're back on your feet now, but you had to go into crippling debt for your treatment.
Suddenly, the phone rings, and you answer it.
"Hello. My name's not very important. You can call me One Hundred Million Dollars. I get you, for one night. I get to do whatever I want to you. But by the morning, you will be set for the rest of your life."
The message ends with a number to call, and to be sure of your decision.