> but you haven't spent years engaging with the legal process and waiting for the estate to try and make sure you can't have it I mean in the proposed alterna

> but you haven't spent years engaging with the legal process and waiting for the estate to try and make sure you can't have it I mean in the proposed alternative that wouldn't happen because you would tell them "hey I think this is a mistake, i think he just forgot to update the beneficiary". You only have the years of legal process where you decide that you should keep the money.