Picture this: You’re shuffling through today’s mail. Between the electric bill and a coupon for a pizza place you’ve never visited, you spot it. A thick, official-looking envelope featuring a majestic bald eagle, a gold foil seal, and your name in bold letters. You rip it open. Congratulations! You’ve just won $5.5 million in a sweepstakes you don’t even remember entering. Your brain immediately floods with happy chemicals. You’re already mentally shopping for a private…