3 left party 20+2 SNG

[Jah Red]

This happened to me just now and I was wondering how others would have played it.

3 left

1 maniac holds approx 60% of the chips, raises every hand and calls every raise.

me approx 25%
3rd guy approx 15%

It becomes clear that 3rd guy is in post and fold mode.

What do you do? Fold until 3rd guy goes broke or engage maniac and quite possibly go out in third.

Bankroll is a consideration (I have a decent one, not great, so $20 means something to me)