I don't take offense to your comment regarding paranoia. The question, I think, is this: If you have worked all your life, and played by the rules that existed

I don't take offense to your comment regarding paranoia. The question, I think, is this: If you have worked all your life, and played by the rules that existed at the time, how do you protect what you have earned from theft by others? One aspect of the answer, I think, is that you put it out of their reach. There are many other things a person can do. As an aside, whenever someone implies that a set of options is very limited, I try try broaden my focus a bit, in order to see a bigger picture, and thus, additional alternatives. I hope that doesn't sound condescending, as it's not meant to be.