I know where you are coming from Soul and I agree.
Dh came from a wealthy family and while he was school he was also working for his father and started to earn his own money, he wasn't allowed to spend it as it all went into a type of trust fund. When his parents went bankrupt, Dh was 12 and had approx $25,000 in the bank and because he had control of the money handed it over to his parents. While I agree what he did was helpful to his parents, I can also see that if he had not given that money to his parents, when he turned 21 , we would have had a nice deposit on a house.I hope that makes sense.