There are many examples of lottery winners, athletes, and celebrities who came across considerable resources yet still went broke because they didn't understand how to manage it or the concept of exponential growth.
A fool and his money are easily parted, as the saying goes. People who don't have financial literacy will lose their money over and over again regardless of how much you give them.
You are also picking a category of people that come across enough resources that make them a target to plenty of others. Such that it is almost an adversarial game, at that point.
Evidence shows that having an excess of resources actually leads to more financial irresponsibly, not less. Or as the Illustrious Notorious B.I.G. eloquently put it: "mo money, mo problems":
"The CFP Board of Standards says nearly one-third of lottery winners eventually declare bankruptcy, and lottery winners are more likely to declare bankruptcy within three to five years than the average American."
https://www.ngpf.org/blog/question-of-the-day/question-of-th....
That is to say, yes, you have to rack up some bad debts in order to declare bankruptcy. The kind of debts that just aren't possible for most people.
And this is ignoring the selection bias that almost certainly exists here. Buying a lottery ticket is, basically by definition, not a savvy financial move. That it basically works out for 2/3rds of the people that do it speaks to the power of additional resources. :D