Financial education has always been a game changer in the financial state of a man, it is the best education a father can give to his children because once you are financially educated, it's near impossible not to be financially stable.
Have you wonder why most lottery winners have gone back to square one after winning or most rich kids losing their inheritance due to poor/bad management of funds, it's because they lack financial education.
You've already stated an example here. Financial education really can make one person rich, but that alone isn't enough. I don't know if this is true, but I'm thinking that there are still some people who are have the financial education, but still lacks a skill that will help them in achieving their goal, and that is to become a successful person.
That's why I feel sad for those people who are winning in lottery, but after a few months, they're back again in the streets begging, or what they usually are doing on a daily basis back before when they didn't won the lottery yet. I remember a news article a few years ago where there's a winner of a lottery, and he won a huge amount, but because he doesn't know how to use that funds properly, he might've spent it in some things that he didn't need, and in the end, those money are gone already, and he's back to what he usually is doing.
On the other hand 1million dollars is truly a life changing amount of money but if you are not financially educated, you will lose it all on the long run,
I don't know if anyone sees it the same way I do?
The lottery scenario that you shared is enough to answer your question already.
If you're financially educated, and has skills, you can make a million dollar in just a month at least or even lower. On the other hand, you having a million dollars, but financially illiterate will just lead to continuous spending towards things that you don't need therefore, you will lose that money without achieving anything.
If I would choose between the two, I'll go with the million dollars. Why? Because I can still get that amount, and still learn to how to handle money. I mean there are lots of information on the internet that you can use to gain knowledge, but earning a million dollars might took me a very long time (or worst my lifetime), to earn it.