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RE: The importance of making a "whitepaper" for your wife, husband or children in case you die
Very good idea, but I have one advice : Don't always trust everyone in your family, some of my relatives are now some of the worst enemies I have.
No, it HAS to be someone you trust with your life - like I explained in the post, and that you know will listen to what you say, and respect your decision.
For you, I would recommend a dead man's switch, https://www.deadmansswitch.net/ They would only get to your money after you die. No way they can steal it before that, with this method.