I don't understand your argument? You seem to be implying that if heirs don't withdraw any money then they will stay rich? Yes. The point I was making is that

I don't understand your argument? You seem to be implying that if heirs don't withdraw any money then they will stay rich? Yes. The point I was making is that most heirs might not fully understand tax implications, inflation, and that increases in nominal wealth != increases in real wealth. This all leads to generational wealth dying out, as well as for reasons mentioned by others in the thread.