I think that Players know what their options are upfront and if they don't like it, they, like you, should opt to NOT play the game. If sales remain poor, the game will, for obvious reasons, be terminated.
On the other hand, there are those who simply don't understand how to manage money and annuity based lottery would actually be more beneficial to those individuals then a lump sum.
I personally would love to see a cash option on the games as I believe I can create far greater wealth in a short period of time then all the monies combined over the long term of the annuity. But, again, that is my opinion and unfortunantely, not a fact.
I also think that the cash payout of the Ga Win4Life would be more around $200,000 to $400,000 as a lump sum because the game is dependant on the long term interest accomulation to help generate the required payout. I think that is what killed it's predecessor, Lotto South. The minimum cash payout just could not retain the interest of the players enough to keep it funded. And truthfully, if all the cash value on Ga W4L was not much more then a few skipped games of the fantasy 5, I know I would consider it a waste of time.
And btw...No, I did not know that NY had that many annuity based scratch-offs. GA only has one, a $5 version which isn't worth the paper it's printed on.