if you were run over and put in a wheelchair and won an enormous structured cash settlement from the driver

No.

I knew a guy who was cleaned up by a truck when changing a tyre on the highway. 1 of his kids died in the accident and he ended up a quadriplegic. And that wasn't even the start of his troubles. He would have traded all the money in the world to undo what had happened.

Id rather be poor with my own legs

Surely gaurdian angel wouldn’t let you get run over in the first place