My parents are functioning adults. They've had decades to figure out what they want to do as they age. They haven't been hit with unexpected ruin or financial woes or other troubles. Their lack of preparedness is strictly on them.
I don't think any of them are very cheap.
>They need to figure out their life--not lean on me to figure it out for them.
At least in the US, there aren't a lot of options unless you're pretty wealthy. Medicare doesn't cover nursing care. Nursing homes cost around $5k a month or so last time I checked. They will literally throw them on the curb if they can't pay.
https://www.nytimes.com/2020/06/21/business/nursing-homes-ev...
However, and this is what I was trying to humorously get through to them, I will not compromise the life my wife and I have built and worked towards to arrange care for them. Call me callous, call me cruel, but my wife and I are working towards something for ourselves. We're making our future and so should they.