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?
The IRS, SARS, or whatever your country's revenue service is called, will call in lifestyle audits on your family/beneficiaries once they realise that all the gold you bought on the credit cards has gone missing. That's assuming the banks will even grant an old or terminally ill person such credit facilities, they know that is a high risk situation.
For this to work, your family would have to find a way to evade the lifestyle audits finding out about the money obtained from selling the gold.
Then just don't give the gold to friends or family, but to some rando on Hexbear.