I have come across this before, not only regarding finances which are often pooled with the household income but also with other issues such as respite care and day care.
The majority of carers have the individuals needs at heart but some require encouragement to let go. I
Its really not surprising when you consider how little help they actually get and the fact that even this is relatively new.
Many were left to shoulder their burden alone in recent history and people with intellectual/learning disabilities are in some ways still seen as " eternal children"
The answer I think is to increase the carers allowance and to reward them for the invaluable work they do.