Having gone through an unexpected, young death where nothing was recorded, I’ve come to the opposite conclusion: anything significant enough to care about already has next-of-kin processes established such that the Right Person will be able to sort it out.

Indeed, when it comes to stuff like finances, at least where I live, touching them post-death creates issues when the legal channels confirming there’s no contest over next-of-kin haven’t been run to ground. In those situations, having a password means nothing.

This doesn’t mean you shouldn’t prep a will and have processes in place, but it gave me a lot of reassurance that I did not need to worry so much about this.