It has started to happen more often.  Folks are passing away and increasingly their loved ones are frustrated with the process of taking care of the financial assets left behind. 

The deceased expected and thought one thing, but in reality the survivors are going through a stressful, drawn out process to get things finalized.

Could the process have been made easier? Yes, in most cases. 

Why didn't they plan for this? They may have but not as efficiently as they expected.

Why does the family have this headache compounded with losing a loved one?