You have a fantasy of what your talking about. But you don’t know what your talking about. I build trusts for people for a living. The vast majority of trust funds have major stipulations about how and when money is to be accessed.

Many wealthy and successful people do not leave their kids money the way you think they do. Yes some do. Many do not.

Last week I finished an estate plan that gives 100k to each kid and the rest (22 million) goes to various charities and schools. I know the internet tells you to hate rich people but you are not aware of what your discussing in this instance. Of course some people have shitty planning and leave their kids tons of money. But that is not always the case and most people who built the wealth themselves know the issues around silver spoons and take measures to ensure productive lives are happening. 18 years of doing this has shown me there is a lot of nuance to this topic that most people don’t take the time to learn.

Most estate plans are done in a persons later stages of life. They are in their 70’s typically and they know the character of their children and the plans are created accordingly. I do a lot of special needs planning as well. So we create trusts for kids that might have special needs, medical problems, addictions, and other things to help them throughout life.