b) you shouldn't be allowed to do what you want with your money
wait what
If he's that gullible someone should take better care of him, a sad part of life is that some people with certain disabilities need taking care of.
IMO Credulous Personality Disorder (formerly Pseudoneurotic Gullibility) should be treated as a serious illness by the families and friends of sufferers, especially if they are left in control of any sizable amount of finance.