The alternative plan is for every generation to start from zero. If they are not successful, tough luck, get food stamps. If they are successful, the fruits of their success ends at the next generation.

In some ways, I think that every person cannot start all the way from zero. If so, they would have to re-invent the wheel and fire or die. In reality, some stuff, even knowledge gets passed on, which benefits future generations. Why not family money?

(ha ha, the next thing is to figure out how to begin family wealth and how to have the next generation or two follow a master plan)