Well 200k of USD has a variable worth to it, generally its worth less every year.   Where as everybody has fixed in their mind the image that sells a Lambo and knows its worth is quite fixed as a new car delivered to them.

There is a more substantial outline of value in the car rather then the cash, however I agree the cash is more practical almost always.   That interest option and immediately gaining a benefit from the 200k win is very nice, its completely boring vs the idea of slipping into a Lambo to go for a drive instead of your normal humdrum life

Personally though it might not make sense, I would prefer to be forced to receive the car.   Then I have no choice but to enjoy driving a very nice car.   The money if I get it would probably be used sensibly, into a pension for a rainy day and so on