Lottery winners in India are often faced with a dilemma. They can either take the lump sum and give up their monthly payments, or they can keep the monthly payments and lose the lump sum.
The first option is more appealing because it provides a higher payout upfront, but it also means that one will have to live off of their savings for the rest of their lives. The second option is less appealing because it means that one will have to live off of their earnings from now on, but at least they'll still be getting paid every month.