One thing to consider, is that even if you have 2FA keys and full access to an account and can do things with it, you may be illegally doing such after the account-holder's death.
For example, depending on how your bank account is setup, it may be legal for your wife to take money from it while you are alive but become illegal after death until probate is complete. The reality is nobody cares because 90% of the time the surviving spouse gets everything anyway, but it's there.
This. I have set up automatic wire so my employees receive one or two month automatically, but the truth is, it’s probably illegal for the to receive that money.
Same goes for next of kin’s access to my accounts. Uncharted territory, but those are assets, and I don’t think people should be able to peruse assets of a defunct.
For example, depending on how your bank account is setup, it may be legal for your wife to take money from it while you are alive but become illegal after death until probate is complete. The reality is nobody cares because 90% of the time the surviving spouse gets everything anyway, but it's there.
Check your local laws.