Is this situation true about Family Debt Responsibility?

[terry l]

My Younger Brother Is A Moocher! My Mother Is A Widow, Who Keeps Paying His Credit Card Bills Because He Racks Up Very Large Bills And Doesnt Pay Them. She Has Paid Off All His Debt Before And Begged Him Not To Use The Cards Again Or To Apply For New Ones. Yet, He Continues To Do So, And I Have To Hear My Mother Arguing With Him To Stop. But, He Doesnt. I've Asked My Mother Why She Continues To Pay His Bills And She Has Told Me If He Dies She Will Be Responsible For His Debt Anyway And If She Doesnt Pay The Debt The Banks And Credit Card Companies Will Come After Me For The Money. Is This True? He's 21! We Live In Ny State Because If It Is And I Know It Sounds Aweful But I Told My Mother She Should Then Take Out A Life Insurance Policy To Collect In The Event He Does Die, So She Won't Have To Pay The Bills. My Brother Is A Reckless Person And Leads A Careless Life, And Completely Disregards Everyone.