Adult children cannot securely access aging parents' critical accounts when emergencies occur

Adult children face a dangerous gap between needing emergency access to aging parents' financial, medical, and legal accounts (for bills, healthcare decisions, estate management) and having no secure, legitimate way to obtain passwords without violating privacy or security. Current password managers don't solve the succession/emergency access problem, leaving families either vulnerable to account lockouts during crises or forced to use insecure workarounds like shared passwords or written lists.