Well for #2, I can think of one solution having dealt with it myself. Generally for every person suffering dementia there is a family member taking care of them that is under a massive amount of stres. Sometimes having someone else to lend a hand, for even a few hours a week, is a huge difference. That person could either be a volunteer or paid, but having $$$ would always help the situation. If you find the organizations near you and donate to them, that would be a good use of (a portion of) a million dollars to help other people currently going through #2.