The inheritance tax system actually penalizes everyday families while the wealthy navigate it through sophisticated structures. Those with resources hire lawyers and accountants to establish trusts and minimize liability—a game the less informed simply can't afford to play. It's not about intelligence; it's about access. When ordinary people can't pass wealth to their kids without heavy taxation, while the rich shield their assets through legal mechanisms, the system itself becomes the real problem. Financial literacy shouldn't determine whether you get to keep what you've earned.