Fundamentally, the OP isn't faced with a tech problem. People need to start with greater awareness of power of attorney, wills, and probate.
In a probate situation, your loved ones don't have to know all your passwords and so on. They do need to know where your assets are so they can contact the right organisations to claim them. And you can make that process easier for them by avoiding having small accounts all over the place.
I agree that this isn't a tech problem. The only part that the tech is for is for having feedback on the document. It is meant to be printed out and not stored online. There is a spot on the document for a power of attorney in fact.
Fundamentally, the OP isn't faced with a tech problem. People need to start with greater awareness of power of attorney, wills, and probate.
In a probate situation, your loved ones don't have to know all your passwords and so on. They do need to know where your assets are so they can contact the right organisations to claim them. And you can make that process easier for them by avoiding having small accounts all over the place.