Every once in a while the realization that my loved ones wouldn't be able to get into my email, financial accounts, and other important digital assets if I died sends a chill down my spine What steps should one take to ameliorate this without sacrificing security in the present?
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Every time I was doing the math on "Hmm Ruriko might not be able to access that random savings account" the answer was "Just bump up term life insurance by 500x its balance and then it doesn't matter."
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But basically nobody in my social circles carries sufficient term life insurance despite it being very cheap when folks are young and healthy. ("How much?" Should be $2M+ if you're reading this and not cash rich already.)
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