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COVID-19 accounts for less than 10% of deaths. Heart attacks and cancer kill many more.
Anyway, utilities and the like have procedures for dealing with death of a paying customer. They know what to do to get someone to pay the bill.
Loss of digital assets is an issue. There are legal procedures that deal with transfer of property to heirs. with digital assets there are no clear procedures. The fact that standards change over time are npt the real issue. The real issue is that if you die tomorrow then no one will even know what digital assets you had that may be important to your heirs, or that you would have wanted to make sure they have access to. Perhaps people should list their important digital assets in their last will. Having a password is not as important because last wills have legal status and can be enforced (sorry if my English is not exact; it's not my first language, and neither is legalese).
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