Congrats..You won $7,500

So in the mail yesterday I received a "scratcher" card from an auto dealership. You have to get 3 cherries to win, so I scratched it off and lo and behold I got 3 cherries. Of course everyone wins because they want you to come down to the dealership and claim your prize, which could be anything from a keychain to $7,500, but you have to go to the dealership to find out what you won. So before throwing the card away I decided to read the fine print. If you win the $7,500 it will be paid to you over the next 48 months at $156.25 a month. What the hell is that? They are going to stretch paying you $7,500 over the next 4 years? What if I want the lump sum? Are they going to take out the whopping interest they would make on that money? This is why I hate people.