DEAR ABBY: My 25-year-old niece still lives at home. She works full time and attends college online. She’s a hard worker who doesn’t do drugs or engage in risky behavior. I pay her a bonus for every 'A' she earns, and I also pay for her health insurance. While I gladly pay the college bonuses, I have misgivings about continuing to pay for her health insurance, even though I can afford it. She doesn’t make much money at her job, but she goes out to restaurants and bars often, attends concerts and takes trips out of state three or four ...