Although step-parent adoption allows a child to be eligible for everything that the step-parent's biological children can receive (inheritance, medical insurance and the like,) there are also downsides.
For example, if a couple divorces, the former step-parent, now parent, is subject to everything any biological parent must follow. This includes child support, possible continuation of medical coverage, continuation of inheritance rights. What problems may arise if this parent now feels that since this isn't his/her biological child, why should s/he have to continue these requirements of parenthood. The ultimate problem can be that this adoptive parent may rather give up parental rights in order to "divorce" the child, since s/he is divorcing the natural parent.
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