It's all about the numbers. Consider your own odds. Morgan said the odds of one person winning four scratch-off jackpots is basically zero, "but when I think of 20 million copies of you going out and buying tickets all the time, every week, across a period of 20 years," said Morgan, "then it's not so crazy."

The fact is you can increase your odds of winning scratch-offs by buying more. But the amount of money it would take for an individual to sway the odds in their favor would be insane.

Even playing as often as Ginther apparently does, Morgan says the odds were still basically zero that she alone would win four jackpots.

So let's say she beat the odds, but not the system. Still other lotto players look to Ginther's story as validation to keep on playing.

Morgan said, "There's a lot of people that are addicted to gambling who lose everything they've got. She happens to be one of the lucky ones."

If you're thinking of trying your luck and taking the drive to Bishop, think about this analogy from Morgan -- going a mile out of your way to buy a ticket gives you a better chance of being killed in a wreck or killing someone else than hitting the jackpot.

And here's one more -- you have a better chance of standing out in your backyard and having a part fall off an airplane and strike you dead than winning four jackpots.

Morgan said simply, "The system's always going to win."