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I personally been learning this lesson recently. Everything you own every single thing should have some kind of transferable or payable on death added to it. Every car every house every bank account every brokerage account Etc..
That's the way it is in Canada, but it's easier on your family if you have a will. Otherwise it's a mess.
The best thing is all your debts (in your name only) are wiped clean. Anything with spouse's names on them (mortages, shared credit cards, etc) gets transferred to the surviving spouse.
And although our healthcare is in shambles atm (because our provincial premiers are selfish, power-hungry dumbfucks) very few Canadians face the soul-crushing heathcare costs Americans do.
I feel for you all. I can't imagine having to choose to live or die based on how much I have in the bank.