Many people cause one problem by trying to fix another.  One example is with the addition of an additional co-signer on a bank account.

For example, Mary wanted to be sure that if something should happen to her, her friend would be able to cash a check on her account.  So, she changed her account to a joint account with her friend as the additional owner/signer. 

What she doesn’t realize is that she actually gave her friend the right of survivorship even though according to her will, she intended for her children to inherit the account.  With the right advice, she would have only added her friend as an additional signer, but with no right of survivorship.