.
The full space of events is the set of all pairs  (i,j), where i and j are integer numbers from 1 to 6, inclusively.
This space consists of  6*6 = 36 elements, and each element/event has the probability of  
.
Of them, the outcomes where the sum is 2 or 12, are
    sum   2 :  (1,1)            In all, 1 pair worth $20.
    sum  12 :  (6,6)            In all, 1 pair worth $20.
The outcomes where the product is 12, are
                (2,6), (3,4), (4,3), (6,2)         In all, 4 pairs worth $15 each
The outcomes where the sum is 5 or 9, are
    sum 5 :  (1,4), (2,3), (3,2), (4,1)            In all, 4 pairs worth $2 each
    sum 9 :  (3,6), (4,5), (5,4), (6,3)            In all, 4 pairs worth $2 each
Thus the mathematical expectation of winning sum is
    
 = 
 = 
 = 
  = 
 dollars.
ANSWER.  For the game to be fair, the person should pay 
 dollars.