I think this is one intuitive leap that could help:
You’re supposing it’s reasonable to assume that you’ll never have to pay out in your lifetime. Anyone taking your bet, then, can just as much assume that they’ll never win in your lifetime.
So it’s as balanced as one should expect—if you obviously should offer the bet, then anyone else just as obviously shouldn’t take it.
I think this is one intuitive leap that could help:
You’re supposing it’s reasonable to assume that you’ll never have to pay out in your lifetime. Anyone taking your bet, then, can just as much assume that they’ll never win in your lifetime.
So it’s as balanced as one should expect—if you obviously should offer the bet, then anyone else just as obviously shouldn’t take it.