system
A chat on subreddit /r/wallstreetbets
human
Because some who aren’t financially savvy spend the winnings as if they are unlimited, don’t invest and live off 4-6% interest.   
Probably better for most to opt for annuity
gpt
The question is: how do you save up &gt;$10M for retirement, then piss it away by listening to your dumbass kid's "advice" to gamble it?

Either the dad didn't earn that money the hard way (gambling, inheritance?) so he's just as financially idiotic as his kid, or he's going senile and got manipulated by his asshole kid.