Actually it's not as stupid as you make it sound (although I think you are right that they are doing it for a stupid reason: pure greed). If you think about it, if the remaining 4 totals are say 750,000 / 1000 / 25 / 0.01 , then statistically you have a good chance of picking one of the low figures to boost you payout. I'd still give it a good long thought before doing it though but it isn't without reasonable merit.
Of course, you're gambling at this point and you need to realize that and not be unhappy when the gamble doesn't pay out.