New Delhi, Jan. 15 -- Indians are obsessed with wills, nominations, property papers, and every other traditional aspect of succession. What they don't see coming is the far bigger threat sitting right in their pocket: their passwords. The biggest point of failure in inheritance is no longer the law. It's digital.

Here is the reality: You can't claim what you can't find. And you can't find what you can't open.

Across Indian households, there is typically one person who handles everything-investments, bills, demat account, UPI apps, bank logins, email, even the OTP-linked phone. The rest of the family operates on trust. That confidence is misplaced.

Here is the uncomfortable truth. If that key family member dies without sharing the digit...