[tekknik]

No the concept is not valid and we have laws in place to protect against this very thing. Should all debts be transferred upon death? Do you want to pay for your parents loans they didn’t finish?

[kazinator]

No, debts should not be transferred. What should be transferred to heirs is what is left of the estate after creditors are paid off, if anything.

If someone dies and they owe money, the creditors have a claim to the estate.

If their claims exceed the value of the estate, they are out of luck; they can't go after other parties to recover everything.

If someone dies and leaves your their house, but it is mortgaged, then the mortgage likely has to be paid off before the title is transferred.

Creditors having a right to the estate means that you can't borrow (or steal) something, die, and have that property pass it to a heir free and clear.

[tekknik]

So someone who lost their property is a creditor now, having loaned the stolen object?