There's literally no downside to just taking the 1k.
Taking the risk on the 10k won't just leave you with no money, youll be in a WORSE position than if you said no to both offers.
I think the question is designed for gamblers. The best possible odds you could get in a fair casino is roulette at 49%/51% for only double the original amount.
This coli version of events is exactly 50% each way. And, you leverage three times what was wagered instead of double. The 1k is irrelevant. The 3k is the real loss.
Personally, I would do it if it was 2K, because of five times leverage is impossible to find pretty much anywhere. But at 3K it's not a good enough deal for me. And believe me I'm saying this as a non gambler. But I'm using the word leverage specifically because this reminds me of stock options which I have participated in before.
From the options standpoint, you can get five times what you put in from your normal brokerage account but the odds are a lot closer to 10%/ 90% with you being on the losing side. So the 50/50 in OP is a miraculous number