I'm pretty sure no one would be worried about some sunglasses if you fall off a cliff. However if you fall off a cliff and you have a million dollars in your bank account uncle sam will be sure to distribute that money to your next of kin so they can make them pay taxes on it.

Steem accounts have real value but if something happens to you no one will be able to access the funds unless you have some as a guardian over it and that would entail giving them access. That is more what I was getting at with my post.