Well like, what other options are there? Most retirement communities have been bought out by Atria or Life Care Services, stripped of anything that made them special and unique, then had their prices jacked way up. For elderly people they can either A) spend the money all the they could give as inheritance, and take on debt to live in the only places capable of supporting you, or B) kill yourself, give your children as much inheritance as possible and hope that you making that decision means your kids might not have to do the same when it's their turn.