This is why setting up a deathswitch with a trusted friend to manage your online accounts upon death is critical. Wills are nice and all but I don't trust my close family to be proficient enough to correctly close out my online accounts.
I don't know I'm surprised a kill switch service like this doesn't exist.
I think it is entirely reasonable that some people would want to prevent this from happening.
You can easily prepay up a good sum on most hosts, aws, digital ocean, etc. plenty of good low-cost mail apis too, like mailgun.
You can customize your notification intervals to make them longer or more frequent, if you want. The risk isn't very big, though, especially if you remember to log in every first of the month, for example, just to make sure.