Having dealt with this with a couple of family members, set it a similar system for my spouse and I, and also been tech support for numerous friends doing somethign similar I'll provide a couple notes

* The biggest product market fit note to me is that this misunderstands the information access challenge. My experience has been that you are on 'step 2' of the information - organizing it and accessing it. Step 1 is getting the information out of the person, all of it, correctly, willingly. These are hard conversations and structuring them is less of a challenge than the emotional piece.

* In the zero trust/everything is multifactor age what I have really found is that access to cell phone and email are the most critical. I don't see where this prioritizes those...because I won't be able to login to anything of (say) my mom's from my laptop until I have those two things to verify identity.

* I can't quite tell whether you are pitching this at 'healthy people to set this up for the future' (a nonstarter because of annual subscription cost) or 'healthy person helping sick family member' (they have enough going on that starting using a new piece of software is an unsustainable cognitive load delta no matter the ease).

Big picture...what I recommend for friends and family is a password manager with a deadmans switch someone else (your estate personal rep) can trigger. That, plus good estate planning is basically sufficient. You should (and almost always can) have some document in there listing major accounts nad bills that is mostly up to date. This stuff doesn't have to be perfect it just needs to be good enough because no matter why you are activating it perfect is not going to be an option or even helpful.