My sister and I discuss this sometimes. We’d be bag ladies before asking for, or expecting, even a single dime from our parents. As it turns out, we support them to a great extent. (Our brothers, OTOH, have no problem asking for “help”, even though the ‘rents don’t have it.)
One of my stepsons became quite rich. If I die first, my wife will be just fine. But my family lives a lot longer, so we’ll see.
Our goal is to die together in a fiery crash. And my wife believes, based on the way I drive, that is how it will happen. :)