The solution is that you don't set up inheritance in forms of liquid wealth. You set up inheritance in forms of systems and assets that can be built upon by Future Generations. Essentially all energies are expended into two categories first being sustenance and the second being ambition.

Sustenance: The ability to sustain oneself. Usually systems that create food, water, and energy are those one focuses on first.

Ambition: The actions one takes to further one's existential purpose I.E. "I was put on the earth to do this."

Having your heirs expend more energy into the ambition category than the sustenance category is(ought to be) the goal of every human with low time preference.

Create systems for them, not mountains of wealth to sit upon.

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