I'm about to get real on this one.
If a husband and wife love each other, and really care about each other's happiness and future they will discuss their finances throughout the relationship. Every day. All expenditures and investments.
If the only "inheritance" which they worked a lifetime on TOGETHER was a collection of TOOLS which the husband enjoyed but the wife ALLOWED him to acquire at whatever expenditure WITHOUT providing other forms of retirement savings then she is as guilty as him.
Too many people have NOTHING when their spouse dies. I can not feel bad because someone is left with a car collection, an art collection, real estate holdings or a large hoard of anything with monetary value. Work to build a collection, and it takes work to liquidate one.
Sometimes the stuff just has to go to other collectors for whatever it brings.
