probably not, the problem is that spammers/scammers are looking for whales, and if you are talking about draining the retirement accounts of an American who's been saving all their life, that's quite a big payout in the six or seven figures.
In the case of the 415 scams I used to ask “who would expect $20M to fall out of the sky?” The obvious answer is “someone who already had $20M fall out of the sky”
