No one can carry your account for you, which means every inherited excuse quietly stops working today.
Three decisions run a life: what a person aims attention at, what they decide it means, and what they do next. Aim the first at a father's failures and the second writes itself, that the blood was bad and the ending was fixed before birth, and the third never gets made at all. God refusing to transfer one soul's debt to another strips that story of its material.
A man who stops paying down a debt never billed to him gets those three decisions back, and sees how long they were made by default. The cost of keeping the inheritance is every year spent proving a verdict no court entered against him.