@resjudicata You're right that it's not how it works but I would guess you could sell it to a financial institution for less than the total value, I would also say you might have to pay CGT on that sale (don't know that as a fact but I would hazard a guess that Revenue would jump on that sale although if you're selling it for less than the value I'm sure some fancy accountant might be able to somehow claim a loss on the asset sale and therefore not have to pay CGT) and you'd still end up with all over 25%, based on a rough guess you'd still have over half of it.
20k × 12months × 30 years = 7.2million
If you sold that to a financial institution for say 6million.
Then pay CGT of 2 mil (33%), you'd be left with 4mil.
So in the end you'll be left with 55% of the total (83% if you can dodge CGT).
A lot of assumptions made there but might not be far off and for the money involved could be well worth exploring given the time value of money and all that.
Until that day comes for me however, I'll just focus on having enough money in my account for when January's gas bill hits....