You are free to make whatever directives and provisions you like. I think if somebody wants to spend 100% of their income during their lives and leave just enough money to put themselves down like a dog when they get ill, that is their business.
I just don't want the state calling the shots. If the state foots the bill, the state will call the shots.
It has nothing to do with the financial aspect. When I am called I am not afraid to go. Dying slowly at great effort instead of smoothly seems to me to be a bad idea.
So long as I can enjoy my family I'll fight..use trial drugs, whatever it takes, but when my "me" is gone, it's time for the rest to follow.