This is really a food for thought. Having a full thought on this, I will say 5.00 CGPA why? Cause one can get to improve more on their skills and acquire more skill set.
One does not need to even to go to universities just to acquire a skill set. Experience is your biggest teacher. I know lots of people who did not even graduate but are now very successful. Meanwhile, I do know people who had amazing grades but are working with only an average salary.
Your cgpa is the fixed number. Grades are only important when you are first applying to jobs however a few years after you graduate companies or employers do not look at your educational attainment as much anymore because they would rather see your experience in the field.
would you rather chase a degree, get good grades to work in an industry or quit school and accept 5 BCT, what's your opinion?
Is it not your goal in attending school is to gain money? If you are given 5 btc you already have so much than what you will earn from a degree in 5 years maybe even 10 for some. But for me, even I have the 5 btc I would still want to study and finish school. Money is not my end goal but it will make things easier and much more comfortable if I had the 5 btc.