A structured settlement is a settlement that pays in some fashion other than a single lump sum (commonly an annuity). Many people choose to turn these types of long-lasting cash flows into cash today.

As is so often the case, some annuity purchasers pay inarguably fair prices, and others don't. Some engage in fair dealing and some don't.

milliner's accusations are akin to a claim that Wells Fargo is a predatory lender because payday loan shops exist.