Debt Riddance

I asked her about her credit card debt and how she was planning on paying it off considering how large the balance is on those cards. She is secretive about her finances but I know that she is spending too much. I guessed the balance was 150 thousand and she wanted to know how I knew, but it was a guess that I was hoping was too high. More upsetting than her ridiculous debt is her plan to pay it off. Our son can pay it using the money from her life insurance. She is enjoying herself now more than she can afford to and plans to die leaving the debt to our son.