The option for you kids is to show from an early age on financial self-discipline. Also, make sure that your partner is coming form the same side of the tracks. Things can still go wrong but with a track record of showing that you can handle your finances without getting into too much hot water, will always guarantee that the rest of the family or employer or bank will come to your aid if and when needed.
Things are only bad for those who try to P*** higher than they can lift their leg.
