When the largest-ever lottery prize is finally awarded, the winners and losers will extend well beyond the lucky few who hit the jackpot and the multitudes of disappointed ticket buyers.  The biggest Powerball winner is actually state government in the jurisdictions that participate.  That’s 44 states as well as the District of Columbia, the U.S. Virgin Islands and Puerto Rico.  Each jurisdiction spends the money raised through the lottery differently.  Owners of convenience stores and other ticket-selling locations earn a small percentage of each sale.  They also benefit when people buy something else.  Problem gamblers aren’t so fortunate.  Keith Whyte is executive director of the National Council on Problem Gambling.  He says calls to the agency’s help line have soared because of interest in Powerball.  And its website crashed.