A striking television commercial came into our living rooms not long ago. It showed a funeral procession of expensive vehicles, driving single file behind a hearse, toward a cemetery. As the camera focused on the passengers in the first one, and then the next and the next of the procession of luxurious automobiles, a voice could be heard. It was that of the lawyer, reading the will, which each would soon be hearing. "To my nephew," said the voice, "who didn’t know the value of a dollar - I leave one dollar ... To my grandson, who spent money as though it was nothing ... I leave nothing ..." On and on the litany went, as the lawyer announced the share left to each of the relatives. All of them had obviously behaved in ways to indicate that they would be profligate with anything entrusted to…