I cared about these people when I was alive, why would that stop because I'm dead? If a meteor struck me dead in my bed, I'd want the survivors to be able to use my stuff to make their lives better.

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.

if you care about people that you leave behind...

From experience, it is a huge inconvenience to people surviving the deceased leaving without any way to pay their debits. And if you don't care about what happens after you die, why did you even care when alive? Why not always be a dick? At least it is consistent.