Disclaimer: As far as I know, I'm not going to die soon. I'm asking this question in case that changes someday.

So I was just thinking about this and thought it might be a good idea to leave your family some money while fucking over the bank on your way out. The creditors would go after your worthless estate only to find the recently purchased assets are missing, but you're already dead and can't be charged with fraud. And if you do some decent opsec, they can't implicate your family either.

I assume without laundering the money, your family would not be able to use it on anything big. And your available credit wouldn't be enough to make a massive quality of life improvement for your loved ones. But even if they only spend it on groceries and hobbies for a few years, it would make a nice goodbye gift.

Am I missing anything that makes this a horrible or unacceptably risky idea?