By the way, I would prefer the winning amounts to be moderate in order to avoid situation like that. Better that the rest of the prize money is split into my parts and spread around so that there will be more winners
Then lottery games are not meant for someone like you because people usually winning big through it with just a $20 ticket.
People should learn to detach themselves from material things so when they unexpectedly win/lose, they pretend as if nothing happened and move on. The less pressure could even help them know how to spend the money or manage the situation the right way. .
By nature, all human is connected to the material and to avoid a situation stated by the OP it depends on the individual maturity and health illnesses.