That is also an interesting point. It certainly comes up often when next-of-kin go through the private physical possessions of the deceased and discover secret love letters, diaries, etc. They probably wanted those to stay private.<p>But for bank account records, most photos, etc., you probably don&#x27;t want those to disappear in the event of your death. You want those to pass on.<p>Given the choice between the two defaults, it makes a lot of sense for Apple to make &quot;accessible to next of kin&quot; the default, and &quot;dies with you&quot; the opt-in.