7 or so years ago, a friend of mine passed away. He had setup and explained a complicated encryption scheme to his wife that stored all their digital stuff. She didn't remember any of that, and then it was permanently inaccessible to her.

Seeing the challenge in this, I made a note for my wife which is "All of our nerd stuff, if I die" It contains instructions on how our network works, how to handle domain names, how our backup system works, etc. Passwords and such belong to our shared BitWarden, but for all the other "What now?" stuff, I feel better having given her at least some explanation.