Earlier quoted context omitted.
If you forgot your password manager master password? Short of brain damage, I don't think that would ever happen. It would be a hassle for my family if I died, though. I'm young, but I should still get that scenario worked out.
With a death certificate, you don't need passwords, or even account numbers, to access savings, accounts at fiscal types of businesses. It helps pf course, to have account info, but just knowing the place of business is typically enough. For clarity, living people lose account numbers and access all the time. The death cert. gives you this same power.
Your master password is the key that decrypts your password vault.
Some sort of escrow would be good, that unlocks a document with access instructions upon receipt of a valid death certificate.