I'm not sure. I know from experience more money doesn't guarantee more happiness. It can just as easily compound your suffering.
In your hypothetical probably the Lambo seems easier. At least I'd be dry. But I would also have an expensive impractical car with huge insurance, gas and mechanical payments hanging over my head. Is the Lambo paid for?
Under the bridge I would be uncomfortable, and I might get wet. But I also have skills and could find employment to ease that problem, it would be a short term burden if I wanted it to be. Do I have access to my Bitcoin savings?
I'm still crying about something, suffering differently in either situation.