It would be nice if you could use some legal apparatus to ratchet these agreements into a trust. Corps would hate it though, so it will probably be illegal to do.
The government can, though. I’m not sure if there’s any existing laws pertaining to transfer of or access to general accounts after death (as opposed to bank accounts which I’m pretty sure there are laws about).
My will says that my executor can access my accounts which alleviates Apple from legal risk if they do grant access but I’m pretty sure they are not obligated to do so.
It was rather frustrating to watch: "You're a huge fan of X but don't know how X works?"
For example, two people can't make a contract between them that gives one the right to visit the other in a hospital, nor the right to make medical-care/power-of-attorney decisions. You also can't contract-away the guardianship (or ownership) of children, etc.
I wrote about it here: https://digitalseams.com/blog/what-happens-to-your-online-ac...