How will you face failure?

If you go to the TV station’s intelligence competition program, the competition stipulates that when you answer the third question correctly, you can get a prize of 1,000 yuan; when you answer the fifth question correctly, you can get a prize of 3,000 yuan; when you answer the tenth question correctly, you can get a prize of 5,000 yuan; when you answer the twenty-first question correctly, you can get a prize of 20,000 yuan plus a trip to Hawaii once. But if you answer wrong in the middle, all your previous efforts will be wasted and you will only get the ‘participation award’ - a ballpoint pen as a commemoration. Now you have successfully answered the third question. If you stop here, you can get a bonus of 1,000 yuan, but you chose to continue the challenge, but failed and only got a ballpoint pen. What do you think at this time?