You could just put all your passwords into a place where they are accessible after your death and your relatives can access your accounts regardless of any TOS you've clicked through.
Some sites require you to state a username, but if you're anything like me, you've used less than half a dozen. Even my bank is happy to assume that access to my email is sufficient to prove identity.
But it seems most people - even supposed techies - are happy to equate email verification as identity verification. I'd be surprised if you couldn't get into most accounts just with an email address you can send from.
If more services implement the "account freeze" policy of Facebook, this might become hard to accomplish as well.
They close your account?