https://www.theregister.com/2024/11/21/japan_digital_end_of_life/ The comments under the article brought up some interesting points.
Good luck, half of the people I know do not even know their username/passwords. They look for notes and then reset their passwords. Still, I would love to know the real reason behind this request, since that excuse is bs. When you die, the bank gets notified and your accounts/cards get locked, thus any payments are stopped, thus subscriptions are canceled out automatically. Sending the proof of dead is generally accepted, I sent it to FB.
As this is Japan in the article I have to wonder how this differs by country. I would only put that info directly in the hands of my beneficiary rather than hoping that someone else will secure that info. Too many breaches.
I have a designated password manager for this. How could I put 150 usernames and passwords in a will, even if I wanted to. Absurd for the average user with numerous accounts.
Of course and I have already done that. Many quality password managers have an established "manner" in which this is done. Also, in a way that will never compromise you while you are still alive. I surely don't expect my heirs to know or remember a 40 + character master password, LOL!!