This might be a dumb question, but why do Trust Fund Kids get to basically slob around forever, when their parents work their whole lives?
If it's to keep the business afloat, surely any decent parent would take early retirement, put their kid at the helm of the business/es (with a lot of guidance at first), and enjoy slobbing around from early middle age to death, with the kids knowing they'll get to do the same in a couple of decades?
That'll not only put a decent head on the kids' shoulders, but it will ensure the money survives the death of the parents, so the kids don't find themselves poor at like 55...