Most people leave behind photographs, documents, correspondence and financial accounts that nobody else can reach. Terms of service generally prohibit sharing credentials, and privacy law makes companies cautious about handing over access.
What platforms offer
Several major services have a legacy contact feature – a person you designate in advance who can access or manage the account afterwards. It is buried in settings and takes two minutes to set.
Some allow an inactivity trigger: if the account is unused for a set period, it notifies people you chose or deletes itself.
Others have a process requiring a death certificate and legal documentation, which works and is slow.
The practical arrangement
A password manager with an emergency access feature, which grants a designated person access after a delay you set. That is the most complete solution available and it covers everything at once.
Plus a written record of what exists – which accounts, which are financial, which hold things worth keeping – stored with your will or somewhere your executor will find it.
What to think about
Not everything should be inherited. Correspondence, browsing, and some accounts are private and it is reasonable to want them deleted rather than read.
Being explicit about which is which spares people from having to guess.
The financial part
Cryptocurrency is the clearest case: keys nobody has are funds nobody recovers, permanently. Substantial amounts have been lost this way.
Subscriptions continue charging until cancelled, which requires knowing they exist.
The effort involved
An hour, once, and a note to revisit it occasionally. That is the whole thing.