True, though let’s not act as if the family and friends constantly asking for money or expectating it, old acquaintances suddenly claiming you abused/assaulted/scammed them knowing you’ll just settle out of court to get them to fuck off, haven’t happened even to fiscally responsible people as well.
There’s more than just bad financial literacy with some of them, as not all lottery winners are always broke gamblers. The majority are, but not all. So the fact that almost every single person loses it all in a couple years should indicate that it still has massive potential to make your life harder even if you know what you’re doing and don’t succumb to massive overspending.