Lmao I basically did this as a kid on the school bus.
Bus driver forgot my stop(Small school, so we were dropped off directly at our house). It wasn’t until the last kid besides me was dropped off that I realized the driver wasn’t just taking a weird route that day, and it wasn’t until we got to the FUCKING BUS YARD that I actually popped my head over the seat and made my presence known.
To explain why I didn’t say anything, I lied and pretended I had been asleep the whole time and had just woken up
Could be indirectly inheriting the debt. They could’ve taken out a new/second mortgage to cover their gambling debts, for example. Sure, the kid could refuse the inheritance to avoid being stuck with that, but then they’re still out a house they otherwise would’ve had if not for their parents debts.