Have you ever noticed, that it's nearly always the last player that gets offered the minus offer ??
2 people could have similar cash builders (say they both get £4k for example), player 1 could poss get offered £1k, but player 4 would prob get offered a minus amount.
2 points to bear in mind:
Firstly, that extra player has already gained them an extra point in the final chase
and secondly, if that 1 player gets a few questions correct, that no one else knew .... and they win by a small margin ..... it could be the difference between winning and losing ..... hindsight is a wonderful thing :)