Harshly put, but that's probably how it is. The reality is that no one stands up and says "hey state, sure, take my house, I happily pay everything myself after paying into the insurance for years."
That's not true, in our family the state only pays the subsidies according to the care level, the rest is covered by pension and private assets.
If that is not enough, the children have to pay, which I find okay, although we might also be affected, depending on how long the time in the nursing home lasts.
There are exemptions so that no one has to mortgage their own house or can no longer afford a vacation; beyond that, one can be liable for the parents.
I find it antisocial to speculate on the parents’ house as an inheritance due to one’s own entitlement and leave the care costs to the public.
Have those now in need of care already paid nursing care insurance contributions?
By the way, the current contributions never cover the nursing home costs, not in a million years. I don’t know how much it is monthly right now, but the amount is low (regardless of whether there are children or not).
In the past, care was typically provided by the daughter/daughter-in-law; in return, the family was then deeded the nursing care recipient’s house.
Today most are employed, which allows them to build their own wealth.
As a parent, I would honestly be grateful if, in my prime, I had to transfer my self-occupied property to my children (usufruct or not) only to be reliant on social welfare 20 years later in a nursing home. Most seniors like to arrange their financial affairs themselves; I find it difficult when they can no longer do that well over 80 to intervene without being tactless.