

Might be a patience thing too? Most cookies will take some time to really absorb a meaningful amount of milk. Like Oreos take a good 10 seconds submerged. You can see bubbles as milk replaces air in the cookie.
There are some rare cookies that will absorb the milk way faster, like Keebler Vienna Fingers will be soaked in like a couple of quick dunks.
The reason it gets cut down so much is the advertised jackpot is the 25 year pay over time annuity amount. You get only about half if you take lump sum. And THEN that’s taxed at a high bracket.