"On occasion, the lab team has even told one of the players that the only way to win was to put the money into the house. Even then, he would typically delay for a couple of years, hoping to cash in before doing the home improvements."

In most of American society, everyone has been trained to think that NOTHING is more important than the money. Nothing.

So, combine greed with ignorance and lack of sense, and what do you get?

"It won't happen to me!"