@ WIY
when you go to work, your employer is obligated to give you your wages. That is a Torah law. Hashkafa-ly, Hashem gave him your money. The job is merely to save you from idle-atry & keep you out of trouble. The money your parents or in-laws have is not necessarily yours, & you have no claim to it, seeing as how you did not work to earn it (or earn the right to collect it). When you say “in a situation where it is *normal* to need to come on to them…”, if, for example they promised to support you for a particular amount or regular expense (i.e., they promised to pay your phone bill or health insurance, etc), then they DO have YOUR money & you have a right to collect it as per their promise. In our case, no such arrangement was made. Why would I assume that my parents’ money is in my cheshbon?