The rationale behind taking the lump sum is that if you take a lump sum now and invest it, you can live off the proceeds from the investment and the overall value will outstrip inflation and the losses from the taxes and you can take advantage of compound interest to really ramp things up. You can actuality make more money in the long term by taking less now.
Back in the 90s we had a convenience store down the street that had a multi-game arcade machine with four games in it, and they’d swap out the games periodically for other games and whatnot. Klax was in there for quite a while so I have some fond memories of that game. “KLAX WAVE” is burned into my brain forever.