A match play challenge can be done for up to 4000 credits.
A skins game can place a value of up 400 credits per skin. An 18 hole skins game with 4 persons at 400 credits per skin thus totals 28,800 credits up for grabs.
I can find no indication of how many credits can be put up for a hole in one challenge. I do note that Tarheelfan83 won 12,000 credits for a hole in one.
Private challenges can't be controlled or guaranteed since they are outside the rules and regulations.
Therefore,I will never know how I would feel about losing 44,000 credits on one hole. The question can't be answered by anyone playing within the rules.
( I do like to answer questions as actually asked even though the questions, in question, have major flaws.)