For the last seven years, I've run a tiny one-man I.T. consultancy with barely a dozen consistent clients--they're all great clients, but I am in no way the pin

For the last seven years, I've run a tiny one-man I.T. consultancy with barely a dozen consistent clients--they're all great clients, but I am in no way the pinnacle of dynamism--and even I have a "hit by a bus" insurance where I assigned a friend and local I.T. professional with the responsibility and capability to take over if anything happens to me. He would have access to my I.T. documentation platform, password manager, and has met each of my clients' principal contacts. To think someone could run a financial institution in this way with anything less than bad intentions is laughable.