The dream of a life-changing jackpot.  Imagine escaping financial woes and achieving instant wealth with a single ticket.  This powerful hope fuels lottery ticket purchases despite the statistically low odds of winning. The comparison between winning the lottery and being struck by lightning is apt.  Both are unlikely events.  However, the human tendency to fantasize about improbable scenarios fuels lottery participation.

Many lottery winners lack the skills to manage a sudden influx of wealth.  Imagine someone struggling with budgeting a small income suddenly having millions to manage.  The financial stress of making investment decisions and fending off requests from friends and family can be overwhelming.