I think if you asked about financial aid, they would have to give you time to decide. I think AAMC still recommends at least a week for decision off of the waitlist. That is a very fair thing to do, and I don't think you'd be at fault for it.
Also, I think waitlisters can often get lucky. Suppose Columbia has a scholarship grant they gave to an accepted student to entice them to enroll. That student goes elsewhere.
Now do they...
(1) Give it to a student who is already accepted/enrolled from the initial batch.
(2) Give it to a waitlistee to also entice them to enroll.
I'd choose option 2 personally. You might not have gotten that scholarship if you were among the initial group of acceptances (where you might be competing with students who have 40 MCAT scores, 4.0 GPA and have been accepted to seven Top 10 schools).
Haha, and I don't know why I'm still posting on this thread, but I always get tempted. Trying to look at the glass half full perspective for you. Hope you end up where you like the best. See you at Sinai on Friday