Problem is, who is going to file obit in the newspaper?
That's probably the last place the executor will find your name. It takes days at least to get an obit to run in the paper. Hospitals, local "police blotter" and sources like that will show up first. Now, if I were to die out of town, say, in a surfing or trapeze accident, not sure how the bank here would get that right away but, two things here: I will still be found and identified. Wallet, medic alert card, and all those other things, unless you're David Jansen, you can't just lose will tip everybody off. My wallet has a card in it that specifically says who to call.
If I am harder to ID (burned beyond recognition, no fingerprints due to hands-chopped-off, died while imitating Boy George etc) Dr Quincy's local equivalent will chase me down via / dental stuff. That'll take longer but Social Security and the VA will be notified and the bank/executor will eventually catch it. Situations like dying without a trace, meh, I can't worry about everything but let's face it, that possibility is vanishingly small. Especially for an old person.