AGREED. And the only way I MIGHT think LW3 had a point is if LW3 is also going through IVF and has similar levels of insurance coverage to her sister. But I think she would have mentioned if so.

I always tell my grandma, "It's not my money! It's your money! Spend it all on strippers and beer if you want to! Play it on the ponies! You do not owe me ONE SINGLE THING." This makes her giggle, but also I feel pretty strongly that it is morally correct.