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If a rich couple stores away some fertilized eggs, and then they somehow die, the eggs would be the rightful heirs! So how would this work -- do you set up a trust fund and then impregnate some woman off the street to bring forth the trust fund babies?
If fertilized eggs can be stored indefinitely, then that money could be tied up forever. After a couple hundred years at a good APR, the little test-tube-tykes would be ultra-wealthy!