It sucks for the people who are losing money over this, but the policy is pretty clear, so it's harsh but fair. I think before we are done with the coronavirus, there will be a lot more economic losses spread around.
Just because the fine-print of a TOS or agreement says one thing about liability does not always make the terms enforceable. Many consumer protection laws are written to address the one-sided nature of agreements like this as the consumer typically cannot negotiate like they can with a normal contract.
> The winner sued the New Hampshire Lottery last month under the name of Jane Doe, in a bid to collect the winnings through a trust to protect her anonymity.
Just because it's in writing -- it doesn't mean it's always enforceable.
https://money.cnn.com/2018/03/12/news/powerball-winner-anony...