I was thinking about that Thursday night. Inspired by another thread on credit reports, I pulled mine from Experian and took a look. I tidied up my CC situation a while back and trimmed back to three with a total credit limit in the $100k range. But I still recieve unsolicited offers weekly for new ones. Why not pick up two or three more and increase that limit to $150k or $200k while my credit score is prime plus? Then, as you say, if the poop hits the fan years from now, just "charge 'em up," paying the minimums and worry about the consequences in the next life?
In another thread months ago, it was pointed out that CC dept is forgiven upon death. Not even your estate has to pay for it.