Most of the accounts like an IRA request that you set a beneficiary. Not everyone does, which is crazy in my opinion.. but then it just goes to the state government sadly. Not that those criminals need any additional money!
I don't know the rules on if the person dies and it gets passed onto the family estate, if it is still requiring waiting until 59 but I guess I should look into that, just in case!
and what about the link that you shared, what is the task for it and what crypto coins do I get @cmplxty