I briefly worked at a convienice store that sold lotto tickets, and people should be aware that the default is the smaller lump sum. The operators have to change a couple things when they get the ticket made.
However most people do a random “quick pick” over filling out the associated forms to select individual numbers, pay out type, etc.
That being said, mathematically if you do win, and take the lump sum and invest it positively, it can out “earn” the staggered payments, resulting in more money.
However, the mathematically inclined rarely play lottery type games, I mean they give you the odds on the ticket.
You’re more likely to be hit by lightning on a clear day than winning the jackpot.
But hey, a couple bucks, some wishful thinking, and its cheap entertainment for a short while imagining what to do with the winnings.
I realize the odds are totally stacked against me, but when it gets to 1b I’ll buy a ticket, just on the off chance, lol.