I've played the Powerball simulator for 1,092 years and have lost 91% of my money

The payouts for all but the top prize are fixed. If you match 5 numbers, you get a million dollars, regardless of whether the jackpot was $20 million or $1.3 billion. If you match 4 numbers the payout is $100. (And the odds of either of those outcomes is pitifully slim.)