The imagination of already seeing your potential win as true can make one forget their financial status as it did to the man in the story.
Your financial status is more essential than your potential win in deciding if you should cash out or not.
That imagination sometimes even grows into greed and these gamblers do not know because for them the fantasy of eventually winning that money is even at that point more important than for them to get that which they can at the moment considering their financial status like you did mentioned. i love the fact that you had to point out that the money is not your own yet but just figures printed on theose papers and until you win and its been paid to your account it is not yours yet but some people will even go as far as budgeting such funds already.