Just read a story where a couple added a daughter to their bank account and when she died the Couple got hit with inheritance tax, even though the daughter never used the account. This could happen with a dvc ownership. It all depends on the inheritance laws in your state. In my state inheriting from a child is exempt but this is not true in all states. This can be added to bankruptcy, divorce, and accidentally passing on to a person you don't expect because you added person to your deed.