That might be true for a lot of couples, but not for my parents.
They sold a house and used the profits on it to pay cash for a house that needed major repairs to make it livable. The then used more of the profit on the old house to pay for a new roof, boiler and buy top of the line appliances. 1k was taken off the price of the house by the seller's real estate agent as the heating system wasn't repaired as required by the contact on the house.
Mom didn't work and never needed to during their marriage. Dad took a pay cut when he went to work for the state and manage a new airport noise abatement program. He also was bringing in extra income working as an consultant at pay of few hundred dollars per hour.
They didn't have to pay for design and engineering plans, since my father was an architect before he became an acoustical engineer. They didn't take short cuts and lived with no walls between rooms on the first floor for years until they had jacked up an front of the house and fixed the foundation.
So now we have a house that dad's will says must be sold and the profit split equally among the 6 of us. It's filled with antiques, art work and their modern furniture collection. Several of us are working on remodeling rooms, before we move items all have agree will be ours.
Therefore the risk was very small and they made sure their children would inherit from their investments. One thing they didn't do is coddle us when we fell on hard times. Some of the money in the will comes from investments my grandparents made. It may not be a lot of old money, but it's a nice little nest egg that kept the last few generations, from becoming a burden on their children.
They pressure me to go back to work, while loaning me money for rent a few times to keep my girls from being homeless. Once they learn my doctors said I was disable, they gave me emotional support, but didn't risk the money they had saved for their old age to supporting me and my deadbeat brother. While he will get his share of the inheritance, he is prohibited from living in the house and is often homeless or in jail. We expect he'll blow it on drugs and beer quickly.
I will have my share put in an trust fund to cover medical expenses and be content to have a few nice antiques and a few of the modern teak furniture in my livingroom.