Imagine suddenly you no longer exist, poof, from one day to the next there is no more you.
What if you knew that this day would come in a month?
What if it wasn’t for another year?
Or in 5 years?
Would you spend your remaining time differently than you do now?
If so, why aren’t you already doing it?
So the obvious trick is to give your money away while you still can
Ts not quite that simple - some things like nursing homes are allowed a five year look back to prevent exactly “this one simple trick they don’t want you to know”.
And I’m sure they can call it fraud if it’s too obvious, and do … something