I'm surprised that especially financial service providers don't have a very clear "in the event of death/emergency" flow. I know you can sometimes label an account payable-on-death/joint-ownership/trust/other weird tax-dodge shaped things, but that doesn't solve the technical problem of "how do I log in and initiate my claim when Grandpa kicks the bucket."

I prepared the fire-safe paper, but I can imagine my family getting stuck at the institutions who demand 2FA and probably won't have access to my phone or email at the time.

The whole point is that you aren't supposed to be able to login and continue business as usual. You need to call or write to the financial institution and provide proper legal documentation (death certificate) before you can assume control of the account.

This is a GOOD thing.

That's fine for financial accounts, but people have hundreds of accounts, and you don't know which ones are the ones that matter beforehand. Is it your family member's AO3 stories that you want? Or maybe the login to the web forum that was their primary social outlet in old age? This assumes that those non-financial sites even have a process to let you in.

KeepassXC also has the option to export passkeys