What if you died tomorrow? I am not sure if lottery winnings are transferrable. Also, see how Illinois handled these types of non-lump sum payments on some lottery tickets. They weren’t able to pay them out and the winners are SOL.
A bird in the hand, indeed.
https://www.lotterycritic.com/lottery-winners/lottery-winners-not-being-paid/
“What if you died tomorrow?”
Pretty sure if I’m dead I won’t care that I didn’t get to spend that last hundred million or whatever.