> How much did they win? Maybe they’ll still keep working? Maybe they’ll go off to start their own company and take a bunch of key employees with them? Maybe they’ll be broke in a year and come back to their job? Maybe they don’t leave right away?
Well exactly. You don't know, and now you've given yourself four scenarios to think through:
1. Employee remains.
2. Employee leaves forever, maybe with others.
3. Employee leaves for a while but would come back.
4. Employee leaves, but with some time to plan.
1 should not be a difficult thing to plan for, and 2-4 all ask the same major question of "what if they leave". There's perhaps a slight benefit of not having to say "well assuming you are dead..." - I know I've had some time this year where I was trying not to focus on a death.
The key point is the risk. If your answer to "what if X wins the lottery" is "well as long as they don't want to leave..." then you're already setting yourself up to answer the question it's intended to propose - what if they are no longer working for the company?
That's not to say folks should be callous about it. But failing to think about things like this is also unfair and stressful to employees who are not dead.
Winning a lottery prize large enough to never talk to anyone again, and getting hit by a vehicle, are both very low-probability events. Employees (especially good employees, and perhaps in groups) leaving is a much more pressing risk.
By contrast, a person being struck by a bus and killed has a definite finality to it. There is no going back. There is no hope of extracting knowledge from the once living individual. There is not even time to prepare. Their existence and their output has ceased and everyone alive must now live in this new reality.