Well that is not actually true for at-least 2 reasons
1. There are many things I do not want my family to access to today while I am alive, but wish them to have access to them if I were to die. My password vault as an example, they will need access to that to close my estate more easily
2. Many programs by default today have some kind of strong security, simply enabling this security by default to keep unwanted third parties out does not necessarily mean I want to also lock out my family. I many not want the PUBLIC reading it but that is different than not wanting family to read it. It also could be related to #1
You don’t log in as a dead person to close an estate (at least in traditional US financial institutions). There is a process specifically for this and having an account password isn’t helpful.
You assume that the only thing in the password vault is the password to the banking website? Which could not even be used to close my account even if I was the one requesting it
and/or you assume the only thing of value after a person is dead is the details of the financial institutions
both of which are flawed and erroneous assumptions
1. There are many things I do not want my family to access to today while I am alive, but wish them to have access to them if I were to die. My password vault as an example, they will need access to that to close my estate more easily
2. Many programs by default today have some kind of strong security, simply enabling this security by default to keep unwanted third parties out does not necessarily mean I want to also lock out my family. I many not want the PUBLIC reading it but that is different than not wanting family to read it. It also could be related to #1