In my opinion, if I don't work, I can't pay the bills, I can't feed myself, I can't buy clothes, etc. Money gives you independence. You earn money by working, at least that's how I do it. If you don't have money, you can't even buy a soda. Thinking that someone will help you is fine, but it takes away your independence.
Everyone who is alive is going to die. What we have to do is understand and accept that this is the way it is. A will remedies this. I don't want to imagine the state keeping what I have I'd rather leave it to the people I choose. I don't want to be a millionaire. I just want to be independent, to owe nothing to anyone.