Too true. I always end up with a lot of ASP's that follow the sim into oblivion when it dies, since unfortunately, they can't be passed along as the regular money can via inheritance. I like the idea of safe zones too, I don't want to ban ghosts outright (they are too much fun to watch), but I hate that they interfere with the sims need fulfillments, such as sleep.
I have my elders constantly topping off the Energizer and Thinking Caps and buying extra Elixir for the next generation to guzzle. If you don't like all that stuff sitting around, jam it into a kid's inventory. There's no law against a kid taking an Energizer and a Thinking Cap to college with him!