<prompt> Human: I just found out that if my parents happened to pass at the same time, I would stand to inherit nearly half a million dollars from life insurance. Thats more money than I can fathom. That would pay off my mortgage with and still leave me with more than Ive ever had in my life. Yet I know exactly ZERO people that this is a reality for. I know plenty of people that have lost both parents but Ive never met anyone that has everything paid for from inheritance. So what is going on that I am missing?  <response>: ... Not everybodys parents have life insurance like that, and even if they do, the parents would have to die in a specific way and time together. Also, uh, a lot of smart people dont just walk around talking about the amount of money they have, so you dont really know. 