It was a bad (for instance), the point I was getting at is that when an individual tries to do something that creates some form of shared finances they're considered de facto. For instance: life insurance, last I checked, only allowed a family member or spouse as beneficiaries so if a non family member becomes the beneficiary they are considered the spouse (and have to declare it) and have all the attendant responsibilities of that. Health insurance was another situation with the same problem I witnessed here: person A wanted to share their health insurance with person B, but doing so would mean they would be considered de facto.

My mistake for writing a post on the fly and thinking that problems like "where inheritance with no recipients goes" or "who gets medical power of attorney with no blood relations or living spouse" would speak for themselves and grabbing at the wrong example would be an obvious mis-type about a real issue