A "fall back"? You mean like when they die and (you hope) they leave you something that is not otherwise yours?
I've seen my younger brother's will. Hell, I'm his conservator. He's worth a cool $2 million, and I'm in line for 20%. I hope he outlives me. You're one sick fucker.
talking more about borrowing-and-lending type of stuff they are only a few years older than myself and why would I want their demise anyway - I love them ..............
"Tough times". What's tougher, you or the times? Buck up, soldier. And while you're at it, get a life of your own.
My bro and sis arent financial institutions - family should be enough collateralllllllllll I would help them out without a seconds thought if the shoe was on the other foot.