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I don't do anything with my online accounts; for assets I rely on beneficiary information and my will, and I expect that the online accounts will just die off (as CCs close, etc).

I've always wondered if I should do more. What are the downsides of relying only on wills and beneficiaries? What might I be missing with this super basic estate planning?

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Their concern seems (to me) to stem mostly from how the rest of their family will be able to use the household services if they pass.

Should the family have to setup new netflix accounts with new watch history tracking because the primary account holder passed away? Given how long it would take for the cc's to get cancelled and netflix to notice, would it be smart for your kids or partner to get that kind of gut wrenching reminder of what was lost months after your death?

I know of two off the top of my head, probate and people fighting over your stuff

Could you elaborate?

What issues would simple wills and beneficiaries have in probate? And how does giving someone access to my passwords avoid those issues?

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