Imagine suddenly you no longer exist, poof, from one day to the next there is no more you.
What if you knew that this day would come in a month?
What if it wasn’t for another year?
Or in 5 years?
Would you spend your remaining time differently than you do now?
If so, why aren’t you already doing it?
This is completely illegal in the United States, and may also be in other countries.
If you live in the US and a collector comes after you for your parents’ debt, tell them to bite rocks (or if you can afford to, rake them over the coals in court).