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Wanna bet? I suggest those here who think they are millionaires go to their banks or MBs and request if they can provide them $1,000,000 in cash, bank cheque or a Letter Of Credit within 48hrs (ok even <1 week). Now you say you have to borrow it so it's a loan and interest is payable, which is...

Someone who can put cash or a bank check on the table for $1,000,000 with 48 hrs notice. I'd consider that person to be a millionaire.