Actually, I remember Officer Spangenberg and I would guess he’d be spending his money on perogies or knockwurst instead of tacos. 
I think it’s a policy of the show not to have a Daily Double as the easiest question (top row) in a category. I have seen it as the second question, though.
Yeah, celebrities feel morally obligated to wager it all unless they already have over $10,000(then, they wager the difference). Some are morons and don’t do this, though.