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"The lotto operator suspects they bought the winning ticket with a stolen bank card." Is there no way for the shop to check who owns the bank card that was used to pay for the ticket, and therefore to check whether or not the owner consented to it's use?

If it was reported stolen.

If it was my card, I'd be contacting the low lives to offer them a chunk of the winnings if we agree to split it (all with a contract of course).

Best story ever. The good news is that you've won four million pounds, congratulations. The bad news is, that you stole someone's debit card, so you can't have the four million. Unlucky ****s.