One thing seems to be a common factor as far as I can tell. What you say/think you would do with the money when you won it is not necessarily what you actually do when it happens.
I worked with someone for years, and he and I often talked about our plans for a big win. Then one day - about three years ago actually - he won £4.5 million on the lottery. Yes, he gave money to his children, but not huge amounts. Yes, he bought a top of the range luxury car, but six months later he traded it back to the dealer and opted for a much smaller car. His wife refused a new car altogether, saying she was very happy with her five year old model.
I talk to him on a regular basis, not to ask for a loan, but to see how he's doing. His life is fine, he has a nice house, lots of holidays, etc., but he says most of his dream plans haven't been actioned - he's just living a quiet, secure life.
It's obviously a lot different with a really big win - £20 million is a very serious pile of money. My children would certainly benefit to quite a large extent from a win that size. Otherwise it would be a new house, a new car each, and long trips to sunny places - total relaxation and not a single worry about a bill, ever again.