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The adult cannot use the money as they see fit unless the senior says so. It is the senior's money I assume.
The money will form part of the estate unless the senior makes it very clear that their intention is to leave the money to the child that is on the bank account jointly.
If there is no clear intention then the courts have held the money is part of the estate.
To show a clear intention the senior has to sign right of survivorship forms for the bank and leave clear instructions with the lawyer or even in a letter with the Will that sets out that the senior wants the child to inherit that money and that is should not go to the estate.Does that answer your question?