If you're worried about banking passwords and accounts, those shouldn't be shared logins. Banks in the US have specific procedures for handling the death of account holders, and someone logging in as the deceased is problematic. Beneficiary designation and percentages needs to be followed, and if a spouse/other logs in and starts moving money around, all that has to be unwound.

My break glass implementation is a printed sheet of all my financial orgs and account numbers (including bills I handle). All the beneficiary designations are done, so my wife would just need to give them the death certificate and she'd have control of the funds.