Why I'd rather have a pint of beer than a bar of gold

Hokay Kokay.

Here's the scenario, you have come across a temporary windfall gain of $500k but with with conditions:

1). You are given a bar of GOLD (worth $500k), on the condition you have to keep and give back intact in 10 years.
2). You can have a house worth $500k but you have to give it back in 10 years time, but can live in it or rent it out.
3). You have 500k to invest in the Dow Jones, and can have the income received from dividends, but have to give the shares you initially bought back.
4.) Or give the $500k to the church (or charity) in exchange for a pint of beer, but do not have to give the $500k back.

So....
Which would you choose?
And..
Which option is best for the economy and the community?