I sometimes think about a “dead man service”: you leave instructions (that you upload to the service), then when you pass away/etc, the service operators go and follow your instructions and do whatever you asked for. You’d pay some pre-agreed sum, possibly annuity-type subscription, and at the end we go and follow your wishes. Basically a technically competent will executor. It’s probably too much to expect your family to know how to operate your systems. Maybe you encrypt the instructions and give fractional keys to family etc.
I've thought about this too but I think the type of business best suited to execute this is a law firm, or you know, the normal executor of people's wills. They just need the IT bit.
This is an attorney. No subscription, no tech, no bugs, no encryption, less hackable.