Ya, without the risk of "being the house" I don't think you can do what you want. Your last option seems like the easiest/fairest at that scale.
It can also be strategic, because if you think most people will bet on Uncle Buck running naked at some point, you can bet counter to that. The odds of UB not running naked are low, but if he gets drunk and passes out rapidly, you win bigger. Which then provides the fun of a second game under the surface, bending the odds. Make sure UB always has a strong drink on the go.
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