Sure, my wife could access my accounts, but she'll be lost - which are important? which can be ignored? What do you do once you have access?
Where are all the bank accounts, credit cards, loans, and how are they setup w/autopayments & withdrawls?
Ditto for insurance policies, your random toys and tech stuff. E.g. what should be done with your random websites/URLs - let them expire, archive them, ?
And my social accounts too...
It's not good enough to just go over it together one night, you need clear documentation that can be quickly referenced and followed during a time of immense stress and grief. And then keep those docs updated!