Why do you think most people inherit nothing? Every person I know who has had an immediate family member die has received some sort of inheritance, though sometimes not a very valuable one. Do you have a citation for your very strong claim?
It’s crazy easy to Google that claim, why not try that first? “Every person I know” is also known as type of ‘survivor bias’. Googling, I get multiple answers that 30%-40% of US citizens get any inheritance, which is a minority. Here’s one of them: https://www.bls.gov/osmr/research-papers/2011/pdf/ec110030.p...
because for most inheiritance is a rounding error. Either I happens far too late in life and so you are already set or it is distributed between so many others your share is insignificant.
When my grandmother-in-law passes away, my father-in-law will be about 500k+ “in the hole” because he will receive nothing, and has housed them for the past 25 years, in addition to paying for care, GIL has dementia.
