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This is mostly a concern about large gifts to minor children. Also, if they take a detour into drug abuse access to large funds could result in them literally killing themselves. We have started a 529 plans for the grandkids. They seem stable but if something goes wrong the funds can be used for a different grandkid.

Funny but she is drug free and alcohol free to the best of my knowledge. She is the designated driver when friends go out. I think me being busted for growing pot really soured her towards drugs.

Her and the ex ran up a $100k college loan in pursuit of a publishing degree.
She admits she ghosted me those years and it is not a requirement for me to pay off.
She is now working for Apple Computer making a lot of money as a project manager.
(I am going to offer to match her college loan payments.)
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