because for most inheiritance is a rounding error. Either I happens far too late in life and so you are already set or it is distributed between so many others your share is insignificant.

though it appears most people will get something

It’s crazy easy to Google that claim, why not try that first? “Every person I know” is also known as type of ‘survivor bias’. Googling, I get multiple answers that 30%-40% of US citizens get any inheritance, which is a minority. Here’s one of them: https://www.bls.gov/osmr/research-papers/2011/pdf/ec110030.p...

When my grandmother-in-law passes away, my father-in-law will be about 500k+ “in the hole” because he will receive nothing, and has housed them for the past 25 years, in addition to paying for care, GIL has dementia.