I'd say it depends on how responsible you are, especially to extreme changes. I'd personally say I don't need it but in the back of my mind, I'm an ass on handling my finance especially when there's a sudden influx of money so yeah, I'd probably want a todo list. It's not to the point that I need to prepare it beforehand but if I do ever win, I can probably take the time to plan out what I'm going to do with the money I got. And again, it depends on a person-to-person basis but personally, I'd invest. Businesses can be extremely money sinks and I have 0 experience with it so why would I do it lol.

But anyway I can't exactly blame these people who floundered on the money they got, it is extremely life-changing after all so I guess they expected everything to run smoothly after that. Not to mention I expect that even if there's a lot of news like these people, there's probably a lot more unreported ones that managed to properly use their money.