One way or another, your estate is paying for the guitar, and if done right, would pay the estate tax on everything, which means, the guitar passes to its heirs post tax! They get a free guitar! If she wants to sell it, free $$. You are saving them money by buying guitars!People are always happy for a sick person to buy themselves a little something to ease the pain, even though, if the person was well, they’d be all, “You’re so greedy!”
A person’s gotta use whatever leverage they have in order to achieve guitar nirvana.
(Make sure to mention my name and contact info. I’ll gladly give $500 cash for each one. )