The problem is that most people don’t want to think about what happens to their stuff after they die.
And, that makes sense, because we, as humans, tend to avoid having to deal with difficult decisions to make.
And, truthfully, this is the one event where you can avoid making a decision and it won’t actually affect you once the event happens. It is a perfect win-win for people who like to put off the pain of making hard decisions.
But, if you don’t do it. If you fail to address this future problem head-on. If you wait until you are too old or too sick to make decisions about your hard fought financial earnings in life, then it may be too late.
Because, so many other things can happen. (G-d forbid) you could: