 Studies addressing the relationship between parental assets and children's well-being show positive effects on self-esteem among adolescents in the case of higher parental assets.Scholars have also argued that when people own assets or are engaged in asset-building activities, they internalize the feeling that they have a stake in society, and therefore they cognitively pay greater attention and participate more in economic, civic, and political activities.Like many other tools aimed towards economic development, Individual Development Accounts are met with criticisms regarding their impact and cost effectiveness.