POINT #1--Financial planners stay busy helping people set up their estates to benefit surviving children. Haven't parents often wished they had more money to give their children? I have.
But there is a wonderful inheritance we pass to our children, often without realizing it--a spiritual bankroll. Proverbs 20:7 promises that if we live as "a righteous man [or woman] who walks in his own integrity--" our children will be blessed.
I know you've seen this--The children of godly parents seem to be the ones who prosper spiritually or in the world. Maybe a child has a deep hunger for God. Another one may not be living for the Lord, but s/he has lots of money, favor, or intelligence. Later in life they make a deep commitment to the Lord. These are just a few examples. You can add more.
Personally, I would rather pass on this kind of inheritance. How about you? We don't need a bank, nobody can steal it, and it keeps multiplying down through the generations.
POINT #2--Jesus says, "Don't let the enemy tell you there is something wrong with you. You're perfect in My eyes." (I John 1:9)