>Perhaps it is the feeling of vulnerability that comes from being there.

I have been there a bit, but last night I had a pretty bad feeling and didn't want to go there a lone. My wife thought I was going to die too. Not a great night. 

I use LastPass for my passwords and if something happens to me, my brother will be able to manage most of what needs to be done through there. It is hard to find someone to trust though, especially when there is quite a significant amount to think about. I wish my wife would spend time learning about this. 

One of the challenges of having responsibility of wealth is - having to consider all aspects of it, even after death.