Hi Russ, I am both crazy and "creative", but back to your topic.
This can be a serious problem with families as you have shown.
My mother always expounded that whatever she had not spent was to be divided equally between my two brothers and myself.
Although my eldest brother predeceased all of us, we had agreed to still divide three ways including his wife. We found it simple but that may not fit all cases.
I have two daughters and sons-in-law whom I trust implicitly and "The Gardener and I have left "it all" to them equally. (Again, whatever we have not spent)
The Saint
PS I am sure Taike and myself could adequately disperse/dispense your accumulated assets to our satisfaction and solve the monetary situation in both our countries if you cannot resolve this dilemma