"my wife and kids depend on my salary for money" -> This part I lied, sorry. I have no kids and my wife works too.
I lie about details online constantly. It helps me stay more anonymous in case anyone had a beef with me and tried to track me down.
Sounds like you are projecting your deepest fears. I'm lucky, my wife is capable. For now at least, we don't have the issue that you are forecasting.
When it comes to giving away a significant portion of your wealth, gotta make sure you talk about it as the idea is forming, WAY before action is taken.
Yes yes everybody knows and accepts it. I'm supported by loving people in my life, and that enables me to feel secure enough to not have savings.