Honestly, if you knew they were luring, WHY DIDN'T YOU BRING A TELEPORT AND FOOD? If you really were "on" to them I would think it would be obvious to bring some protection. I mean you could have just telegrabbed it...
OMFG THANK YOU SO MUCH YOU IDIOT THAT SANTA MADE MY BANK!
Joking, but seriously i highly doubt what was on the floro was 360m. Look up jojo lure, he drops the cash, alchs something for 10k, drops the 10k in the wild, picks the cash.
From my experience with luring, they show you x amount of money, drop it. Alch something which alches for over 10k drop that than pick up original stack, or as stated above somewhere they get a friend to drop 10k.
So you didn't risk it for 360m unfortunately. Good luck rebuilding, we all have to do it at some point.