Re: public wills
As we have bank and broker accounts as well as pensions in half a dozen European countries I have made a document listing them with account name and contact details if appliccable; not passwords. This is printed and left in a sealed envelope which at least three persons know where to look for.
The thinking is that with a (translated) death certificate, an executor should be able to get to the assets.
I went through it in Denmark last year as my mother died, that part was fairly painless as everything is hung up on the social security number and most entities subscribe to updates from there. Even Ryanair played ball and refunded a ticked when presented with death certificate.
Subscriptions? Banks here will freeze accounts and cancel cards, so that sorts itself.