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I also feel like the question really underestimates the difficulty of completing large transactions in a single day.
Even buying a car often takes two or three days because there's always some reason you can't just drive away with the vehicle. You always agree to buy the car, and signed a bunch of paperwork to that affect, and then you have to come back a few days later to actually get it, whether they do some sort of grand reveal with a cloth, as if you hadn't already seen it, and didn't already know what it was.
Actually completing the transaction within 24 hours, especially if you weren't previously aware that you would be doing this, would be quite difficult.
When I bought my first car, I preordered it (because the color wasn't available) and then did all the paperwork in a couple hours when it arrived and then drove it off the lot. Maybe it's different with lots of loans and checking, but assuming you have liquidity and proper certification in this scenario (I.e. Cashiers check), it might not be as difficult. I don't think you even have to spend it all on one transaction so you could easily break it into smaller ones, like plane tickets and travel arrangements are expensive for a few people. You could splurge and make it nice. They said you had to spend the money but it didn't mean you had to have the reward immediately