Yes an inheritance could become collectible.

One straightforward option to avoid that result is your mother could in her will put the money into a trust instead of directly to you. The terms of the trust could restrict your access to it until it was no longer at risk. She could also create a and start funding the trust right now, while she's still around, and leave the remainder of her estate to the trust.

She would have a lot of options with this sort of approach. Hopefully it is obvious that she would want to pay a licensed attorney to set one up properly. This is the sort of issue a trusts/estates/wills attorney would be happy to talk with you over the phone about; I recommend you try making a few such calls.