And what about the creator that has a husband and family and passes away a day after publication in an accident? The same rules that apply to a survivor's pens

And what about the creator that has a husband and family and passes away a day after publication in an accident? The same rules that apply to a survivor's pension could apply to copyright, although I don't think that is a good solution myself - I think it will get messy with copyright transfers made in life, decisions made by owners/publishers/media/regulators that might de-prioritize the printing/marketing of that copyrighted material, etc. Even during the life the copyright creator, copyright rights are no substitute for a survivor's pension. In line with another answer below: "What does the average person have to do to provide their family this kind of security? I don't think copyright needs to do double duty as life insurance and it is mostly not helpless widows [widowers] that are benefitting from it."