To be fair, long-term care is not just an opportunity to accidentally (from the perspective of the holder, not the system) get rid of one’s accumulated wealth, it is often the motivation for intentionally doing so prematurely, in order to qualify for Medicaid (which pays for the majority of long-term care in the US.) OTOH, for people who don’t have the knowledge or professional advice to do this (which, of course, correlates strongly with having more wealth to start with), it is a trap for accidental wealth drain rather than intentional redistribution, so the poor get generationally poorer, while the better off are also better able to protect generational wealth, both benefiting from programs for the medically indigent.