If you win a HUGE jackpot or sweepstakes, like a $1.7 BILLION Powerball drawing, you usually have the option of accepting it as regular payments over time, or a smaller lump sum right away. This Setting the Bar story would be a reason to accept the lump sum.
Source: https://www.kgw.com/article/news/investigations/oregonians-won-publishers-clearing-house-then-company-went-bankrupt/283-48e70a19-6223-4a44-a9f9-1642875b96fe