people forget the opportunity cost of winning £9k. Its not just the £9k in cash. It could also be £5k+ saved in interest on a £9k credit card/loan repayment etc which can be cleared early. So effectively the £9k is worth £14k potentially. Therefore in this case making a bad EV deal a good EV deal. Plus the added lack of stress of having debts hanging over you. Similarly if the player is staked into this the £9k might allow him to play his regular games without staking and keep a much bigger chunk of his future income to him/herself.
I doubt players who are finacially instable would make this +ev choice of repayment. I know a few degens who will just see it as 9k gambling tokens! I guess thats what brought them into the tourney in the first instance.
I disagree. I think a fair number of sat winners (not all obv) treat the £20-£40 spent on a sat into the £300 deepstack as a casual bet like doing a football coupon etc. If they were given the chance to close out their football coupon with one game to go to win £9k most casual gamblers would probably choose to do this.