@Reyn,
No one that I know of in the 21 seasons has ever wanted to go home rather than to the jury. Eliminated players not eligible for the jury (before the final 9, 10 or 12) do go home, having signed an affidavit that they won't divulge anything about the show under heavy penalty of a fine. I don't think contractually either Na or Kelly could refuse to go to the jury unless they had a valid medical reason and the doctor at the Ponderosa has already cleared them.
Jury members continue to get their stipend, just as they did while they were playing the game. I can't remember how much it is, and I think it varies from season to season, depending upon the location.
Past seasons have seen 2nd, 3rd and 4th place winners and again, the amounts varied depending upon the season. The year Yau-Man finished 4th, he received $60,000, and every player gets something, depending upon how long they last. The runner-up (2nd place winner) generally gets $100,000 and each player who attends the reunion show receives an additional $10,000.