[av500]

and of course they couple could have shared access to each other's bank accounts

[hyperman1]

This does not work. When married, all your and his/her accounts are locked, as they are considered shared property, no matter the name on the account. The legal proces after death is to decide who owns what as this decides what share the state gets.

Also not advocating for crypto, just saying you should be able to live a while without access to a bank.

[oblio]

Cash, separate personal accounts. This is not a hard problem.