Yep, all of those things listed in the last 20 posts are ‘our’ situation - opened accounts when the kids were little, worked well for me to move money around, pay their taxes/get refund checks, handle emergencies when one was on study abroad.
The daughter who requested I be removed from her account is 22, graduated a year ago, and has no reason for me to be off the account other than that’s what she wants. It doesn’t change the account (which will still be labeled as a ‘youth’ account by the type of number originally assigned). I did not look at her account or share info with others. SHE’s the one who told my mother what she makes, and my mother tells everyone. Everything.
Yep, one child is a beneficiary now and the other is not. Family dynamics. There are consequences to distancing yourself from your family, even at 22. I made the same decision and in the end it didn’t matter as I got nothing but my siblings also got nothing.