The iniquity of this is that those who live a careful life are penalised while those who don't, have even spent their lives propped up by the rest of us, are the winners. Not necessarily to do with not having money either, I know lots of people from our field, teaching, where the use of money is quite different. If anyone should benefit from my careful stewardship my children should, not anyone else. If that sounds unfair in terms of pc, tough.