lo savings

Recently my mil has taken interest in my lo savings. She wanted to open a savings acc with my lo. Which i then rebuted saying my lo alrdy has one. Then she suggested open an acc with her aunt (her daughter). Which i find ???. She said she saved x amt (which i think she just pluck a number to mke it sound waaa) for my lo alrdy. I feel that is she has she need not tell us or even have the need to open an acc cus my lo doesnt have the ability to do anything with it. She cn just open an acc under her name and shush abt it. Plus to my knowledge joint acc has to be with a parent. How would u guys feel? I personally feel she lack trust on me cus if not she would have alrdy gave me the money to keep it in MY lo savings acc thats alrdy there.. Also what cn i say nicely to her to suggest that idc if she has that savings?