they have some legitimate problems. it's ruined as many as it has saved. Many end up worse off or dead.
If the person was the type that can handle those sort of stresses they will be fine. The reason some of those people had never had responsibilities of that sort is because they actually have no capacity to handle them. I don't mean that their problems are more or less significant. but people have tried to kill (and sometimes been successful) some of the lottery winners...these are not problems some of them would have had if they had not won the money. Other people have positive experiences.
Often it's family and friends. I'm one of those who, if he won and lost if all would explain it like this. Say a million bucks.
I spent half a million on women and grog and drugs. The other half million I just pissed away.
It's more like being so inflexible they can't adapt and a culture that promises them wealth will solve all of their problems instead of suggesting it's just a different lifestyle. That's not lack of preparation, but the same kind of insanity that drives lemmings over the cliff.