honest question: why do you care?
I had a friend pass and his fiance was in need of money but he didn't leave the password to access the crypto, so it's lost forever. If I die unexpectedly, I'd at least want it to not be lost forever.
So if I die in debt up to my eyeballs, and if I am sole signatory on those debts, I have only hurt my creditors, not my family.
caveats-- if my family was counting on the house and I have an unaffordable mortgage, then yes I have caused them harm. Likewise other irresponsible debts.
-- at the end of the chain, creditors are also people. It is their job to loan money at risk, so their loss is their problem, but this assumes I was dealing in good faith when I took the loan.
Obviously, with some "it depends" nuance - but if the difference between this and your world view would make a significant difference to your loved ones, you might want to talk to an attorney.
Two experiences with this. Companies don't particularly care who pays the bill. They send a bill, they get money, they don't care if the person who paid is the person. In fact, in my recent brush with such matters the company specifically knew the person was dead when they accepted the payment.
What's hard is getting access to their money to pay debts with.
