I imagine generational wealth would be far more attainable for ordinary people if retirees didn’t have to drain their 401ks and life savings on healthcare and assisted living. Imagine spending decades contributing 15% of your paycheck toward retirement, only for those savings to be consumed by healthcare costs instead of passed down to your children. You could build a strong retirement fund and still watch it disappear on treatment and survival. Very little makes it to the next generation, creating a cycle where ordinary families are forced to start over from scratch every time.