Ah, the missing piece here (at least in the US) is that you always want to have a joint account with someone you trust (a kid, a spouse) so it doesn’t go into p

Ah, the missing piece here (at least in the US) is that you always want to have a joint account with someone you trust (a kid, a spouse) so it doesn’t go into probate. Anything that needs to keep being paid after your death gets paid from that joint account.