I dunno, Dreams. We were glad when my FIL lost his debit card, because he was wasting my inlaws' money on booze and lottery tickets and spending money that was needed for bills. We never encouraged him to replace it, and besides, his dementia was getting so bad he was unable to use it.
Now my MIL controls one debit, card in her name, for things they need. Alas, however, My wife's 47 yo brother has been hitting on his mommy for money like a titty-baby, and she believes every cocamamie story he tells her. So, where FIL would drink and gamble their money away, she wants to give it away to her POS son, who has wrecked two marriages, fathered 6 children, never supported any of them, and spent more time in jail/prison than out of it during the last 5 years or so.
All we want to do is make sure they keep a roof over their heads.