FYI you do not always inherit debt. It gets paid from your estate, IF they file for it. Source: lost my wife to cancer at 41. She was 41. I was 32.

I paid zero of that debt when she died. Just ignored it. It was all in her name. I might have also been fully ptsd’d.

But my credit is fine, the probate period is LONG (10+ years) gone, etc…

Sure my evidence is anecdotal but no - debt is not “transferred” to your name like you inherit it.