> your partner should already have
There's an increasing number of single people and lone-livers.
> if your partner can’t figure this stuff out on their own you need to sort it out yesterday.
I don't know how common it is, but I know there are some couples who just don't think of this kind of stuff, at all, until it's too late.
Mostly I've heard of it through a sudden death - the other person now has to figure out what and how all the things are paid for and handled.
I know of another where one partner got ownership of a small business after a divorce, but had no idea how to handle personal or business taxes/paperwork/etc. Had never done much more than sign their name under tax records, or whatever - and suddenly had to figure out all of that on their own.