When you put your assets , money and everything in the bank , then when you pass away , the bank hold your assets . Not even your wife , Your children can touch the assets unless they can prove they’re legitimate entitled to it . It could take sometime before you can get to it with long bureaucracy . Compare to when my grand ma pass away , she has a little 2$ under her pillow and in that day after she get buried , my mom just say ..here you can take that $2 dollar for you . Did you see the different system about “ entitlement “ ?