<prompt> Human: My mom has initiated opening some type of savings account for my young daughter via Bank of America, and then they just sent me several papers to fill out. My daughters 2nd birthday is coming up, so its supposed to be a present I guess. My wife is definitely angry because my mom seems to cross the line with the grandparent role a lot. Do you agree that this crosses the line because she didnt ask us as parents, or are we overreacting?  <response>: Youre not going to want to hear this, but I think you might be overreacting. It would be one thing if they were trying to get your child to open-up a credit card. But opening a bank account is like brushing your teeth three times a day: 4 out of 5 dentists agree that its good, and everybody knows that dentist number five is a fucking idiot.I dont know about any of the other things going on with the grandparents. But absent any of that context, this seems like an innocuous gift, akin to just gifting a savings bond. 