To the degree that controllable events occur, a sense of mastery and resistance to depression will result. In the animal kingdom, the mother raises her cub until it is able to fend for itself. Then she leaves and lets it make its own way in the world with no help except its early training. Empowerment works in nature. Empowerment works with people.
Conclusion Earned money is clearly one s own, an affirmation of talent, energy and self.
An inheritance is none of these. People need a sense of accomplishment to be fulfilled. There are choices. A charitable trust can be established, or monies left to family members can be controlled through a FIT that will encourage positive behaviors and help the children become individuals who contribute to society. It is clear that the next generation must be prepared for inherited wealth.