<prompt> Human: So one of the things I have had drilled into my head over and over again since I began studying personal finance in college was that any debt people have will not die with them. Those who taught me this illustrated their point with college students racking up credit card debt, then killing themselves as a result of being depressed from being unable to repay, resulting in the bitter irony of their parentsfamily having the burden of needing pay off debts.I am soon to get married into a wonderful family that has given us a lot. My fiancé, however has two siblings who are more than two decades older than she is. The brother married into money; she is the daughter of a VERY successful construction business owner who has since left her the company which continues to do very well in a very strong market.The sister owns his own business that does well, not super well, but we will say the business is very sensitive to market fluctuations. It has two locations, and continues to generate income. Not sure about what sort of capital the business have, but it appears to run very smoothly.What I am nervous about is the sisters family. They are using The Millionaire Next Door Terminology UAWs. She is a very caring and loving person, but is married to a very materialistic husband. The husband doesnt work, has never worked, but is very concerned about the clothes they and the children wear, the cars they drive, and the zip code on their mailing address. They definitely live way above their means, and my future wifes parents are concerned about when this is going to catch up with them. My fiancés parents have already provided support in the form of large loans to help the business when it went through a low point, which still has not been repaid despite the fact the family has many more cars than they need and could easily sell one to repay most of the loan, if not all of it. They obviously struggle with managing money. For example, they cut up credit cards to avoid accumulating any more debt, instead carrying cash, however this has resulted in a false sense of security, and has in no way modified their spending habits.The brothers family on the other hand is better with money to a point. They are concerned about social artifacts as well, however, they do not accumulate an unnecessary amount of possessions. They sell off what they no longer use, are careful about spending money, and live below their means. They can easily afford to live the lifestyle they have.What I am concerned about is, will the debt of the sisters family ever haunt us? If they die before going bankrupt, will we be asked to pick up the burden, or will it be passed on the kids? Although this is far off down the road, is this something I need to be building up a cushion for?I do not wish to lecture their family on spending habits. I kind of want them to learn the hard way. My future wifes mother has learned her lesson and will no longer give them financial support unless they are in a desperate situation and have cut back on everything else. At the same time, I have made it clear that we will not loan her family or her brothers family, not that we expect that any money because we do not want to take on their burdens.Also, if any of you have lived through a similar situation with in-lawssiblings, is there any advice you can give? My future mother-in-law is very open to opinions, and is willing to accept advice for her as well.Thank you for your help and advice. We my future wife and I are trying to learn about their situation as much as possible so that we can be prepared if the kids all of the sudden become stranded on an island of debt and come running to us for help.  <response>: What I am concerned about is, will the debt of the sisters family ever haunt us? If they die before going bankrupt, will we be asked to pick up the burden, or will it be passed on the kids?We dont live in the 1800s Europe, so no. if any of you have lived through a similar situation with in-lawssiblings, is there any advice you can give?Its not my problem. Besides mentioning it to them once, I dont care. Dont lend them money. If you want to help out your niecenephew, set up a trust fund for them 