“irresponsible doofus”
There have been a LOT of them winning lottery cash, and doing stupid things, winding-up broke and in financial trouble. Such is life.
Same with inheritances. My girlfriend works in banking and she knows of a 28 year old unmarried woman who blew through 3 million dollars in four years and is now down to about $10,000 left.
At least she stopped before she went to a negative balance.