It seems a little weird that your wife is so removed from the financial side of your setup. Does she really not know where your credit accounts are and how much are on them?
All relationships are different. :)
I don't know all of ours. I know our shared bank account, and that's about it (well, we have a shared password manager, so I could probably figure it out). It doesn't seem useful to have the knowledge, and when she dies, the least of my worries is a missed payment or two.
> how much are on them
I doubt most people on HN carry credit card debt.