There’s plenty of options…
decimal? x = ...
decimal a = (decimal)x; // works; throws if x was null
decimal b = x ?? 123M; // works; defaults to 123M if x was null
decimal c = x.Value; // works; throws if x was null
decimal d = x.GetValueOrDefault(); // works; defaults to 0M if x was null
decimal e = x.GetValueOrDefault(123M); // works; defaults to 123M if x was null
object o = x; // this is not the ideal usage!
decimal f = (decimal)o; // works; throws if x was null; boxes otherwise