Realistically, the transfer would likely need to be set up ahead of time via the account holder. For instance, my password manager has a function to allow me to designate a beneficiary. But importantly, that beneficiary assignment must come from my account before I die. If I die without designating a beneficiary, there’s nothing my family can do to gain access to my password vault. Only the accounts I have designated will be able to gain access.

In other words, in order to falsely designate a beneficiary, they would already need access to my account. And at that point, they wouldn’t need to deal with death certificates and beneficiaries, because they already have access to my account.