I think it has to do with the original goal that Steve set. The million dollar is not the goal in itself, being able to ecplain the LOA to others and have them experience it is. So the fact that Steve earns his million gradually gives him the opportunity to explain the process to us. If he'd won the lottery, al he could tell us is to buy the right ticket?
The other part of your question is what really interests me. Why do some people for whom the LOA shouldn't have brought the "good stuff" receive it anyway, and why do people who (in my opinion) live the live by more positive intentions get struck by deceases or other horrible events?