The milk has been spilt, the horse has left the barn, or whatever phrase you want to use for NelsonForums, but I thought I would offer the following site as my small contribution. It was started by a woman whose husband - an active, young, and fit man who was struck and killed by a speeding car driver. He hadn't planned on dying when he left the house that day for his workout.
Her husband left no records for her to cope with her immediate financial life. He had left her their adequate resources, but she had no way to pay the mortgage until the estate was settled. After digging out, she started the site. Stuff happens. https://www.gyst.com
Here is a page on digital assets: https://www.gyst.com/articles/what-are-digital-assets-and-why-should-you-care