I was careful to state the concerns of the law vary by state, and certainly outside the US.
But, speaking to this thread, we’re in the position of attacker. We are committing an illegal act (B&E) in an effort to secure money, with full premeditation - we’re going to get limited sympathy, so let’s hope and pray that this goes on in a less permissive state.
Second, again specific to THIS thread, is that as an attacker, I want 100 Million badly, granted, but I think you underestimate the dissuading factor when the first person to break in gets shot and I get covered with their blood and see the body writhing on the steps next to the broken door. I strongly suspect that the homeowner in this scenario is going to need to have enough guns and bullets to stop all of the 25.
Lastly, in the second scenario, they’re all fucked - in that scenario they’re working TOGETHER, and in most jurisdictions, that means any crimes that occur by one or all in the conspiracy to the greater crime (B&E again at a minimum) are going to apply to all. So every single person is liable (again, depending on jurisdiction) for conspiracy to commit a crime in which one or more of their members are killed in the committing of said crime.
Note, I don’t say that it will/won’t happen, or that all of the randomly chosen 25 will be on board with such an action, but outside some dystopian scenario that I mentioned to modify the hypothetical, -MY- risks as an attacker are intense, and I’m a lot better in pursuit than doing the Breaking and Entering check.
I mean even some of the less risky choices (calling in a random domestic violence claim to the residence) put you at risk of jail time, and loss of your winnings due to gains from an illegal act.
On your last point, in this country, I strongly suspect that if you won $100 million (this is going to come up in discovery you know) and decided to break into the house and got shot, that there’s going to be plenty of reasonable doubt and minimal sympathy from the jury, I think the odds are VERY good for a dismissal of any criminal charges against the target and a LARGE settlement for them from the sponsor and participants.
And no matter what, that money is going to locked up in the courts for a long time while you are paying for some high dollar lawyers who are going to take half that money if you’re not independently wealthy enough to afford such a defense on your own.
So, long and short of it is that the risks aren’t bad for the target, but the risks for the ones attempting the capture may be intense.
But repeating my prior demurral, all of this is going to vary dramatically depending on location in the US, much less in almost any other nation. Which I stated explicitly before.