Another side to this problem is that so many online services are structured as a contract between one person and the company, when what I really want for family photos and documents is something much more family-focused. In particular, if I die, it should make zero difference to the relationship.

I sometimes wonder how much of the way things are is because that's just how the US legal system is, and how much of it is because that's the worldview of the childless twentysomething singles who built these systems. (No judgment: I know when I was a twentysomething childless single building things, I had a person-centric world view, not a family-centric one.)

(An extreme example of this problem is the oculus quest, a device that is begging to be shared between family members, but it requires a Facebook account to use. Further, it is a breach of the terms to have a family facebook account. Nobody in our family with a facebook account - i.e. the older people - wanted to sacrifice theirs to the quest.)

It's weird/sad that a family doesn't have any sort of legal personhood, but a corporation does. A joke solution here might be to incorporate my family and have all these digital assets belong to the family corp. I'm not even sure if I'm joking.