We were shocked and we cried. We told them that we had no problem taking care of them. They INSISTED that this was better, that we need to be living our lives, not taking care of them. They are in their early 70's and while Mom is fine, Dad has had some problems with diabetes and his heart. They pointed out that they didn't "expect" to need it for another 10 years or so (a good bet with Mom, not so good with Dad). They said in 10 years the kids (their grandchildren) would just be getting out on their own and that we didn't need one set of dependents being replaced with another.
It was a wonderful gesture, entirely selfless and thoughtful on their part. I still tear up when I think about it.
I think that some people are very used to taking care of themselves. By providing (paying) for their own needs, they are taking care of themselves.
I was on bedrest for 2 months while I was pregnant with twins. I was in the hospital for a week, and then I went home and was totally dependent on my husband. When I was in the hospital, I didn't mind asking for help going to the bathroom or getting something to drink or eat. That was their job. At home, I hated burdening my husband with any of my requests. It was really hard on him taking care of me, and I only really needed food and drinks. I think it would be more difficult taking care of an elderly person.
Your parents seem like they love you a lot, and I think it was a wonderful gesture on their part.