When a trust is properly funded and the records are in order, the successor trustee steps in, follows the document and manages or distributes the assets privately, answering to the beneficiaries, not a court.
Most people who spend everything they earn are not irresponsible. They are responding rationally to the way money works when there is none left at the end of the month.
A court accounting is built around specific questions: were funds received accounted for, did expenditures benefit the person the court is protecting, and what does the estate look like at the end of the period.
