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I would like a way to give every player a chance to determine a plan, and then the player who created the highest-earning (i.e. flat out, over-the-top worst of those plans) is charged with making the last plan (with, one assumes, the active cooperation of the rest of the group) that sees whether they get the treasure or return home in disgrace.
Would it be crazy to actually put people on a timer?
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As for the plan, you might allocate a very specific amount of time [i.e. 2 minutes] for everyone to scribble their plan on paper, then take a consensus.
As for putting people on a timer; tournament chess comes to mind. Perhaps, give each player a defined amount of time to take their best shot.
M.B.