This is fucking INSANE! I have a cousin with downs. We also have a great aunt who will leave behind a bit of money when she passes. Even though she has many, many nieces and nephews she is leaving everything to our cousin with downs. Because even though his parents have kicked ass at helping him be independent and have helped him become an amazing young man, the truth is, he will always need some help and will not be able to earn an income for himself (he does work part time (or did before the pandemic) in the same way the rest of us can. He won’t be able to save for retirement or even the medical care he will need. So no one is even slightly bothered by this. We’re all family, this dude has known you less time than some of the underwear I own. Why would he expect anything if you die? That is a conversation for a serious relationship and even then why wouldn’t your main focus be supporting your child?