I don't have to worry about handing anything down to kids, but I know that my savings isn't where it should be. Like you said, I think a lot of people are that way these days.
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Perhaps this is part of the not having children trend too. It isn't just that people would rather spend on themselves or have more freedom, but they don't want to have the sense of obligation past their death. This isn't just financial though, the environment would come into play too. Why make the effort to improve the environment if you don't care about anything or anyone after death? Not saying that people think like this, but perhaps there is some unconscious position in play too.
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Could be. I didn't have much of a choice, testicular cancer saw to that :P