Doesn't work for all services. Some services will, if unable to charge the card,send whatever amount to collections, and now they have to deal with that.

You'd think it's that easy. Some places literally are unable to do anything unless you're some sort of "signatory" or the actual account holder. No amount of if, buts, maybes, and certified/stamped copies of death certificates will convince them.

I couldn't even cancel the health insurance company's recurring payments after a death. And they had the audacity to send a "how was your hospital stay" questionnaire to the account holder's email after they were "discharged" by the hospital.

Your reply shows that you've never had to do this yourself. It's a lot more complicated than that.