Yeah, but I feel that is the smallest problem if you suddenly start the morning by mass applying to credit cards, spend like a mad man and then drop dead the next day. Remember it's beyond reasonable doubt, else you couldn't ever convict say 1st degree murder because a key difference between that and say manslaughter is that you planned to kill the person. Now if you don't write that down (who would?) it's proven by your actions. Like say buying the murder weapon the day before. Or going out of your way to meet the person, i.e. not somewhere you're normally at. And the crime would be to not plan to repay, not necessarily that you drop dead. Dying could be unintended, say an overdose from partying too hard.