My "Pay the Bill" post addressed the problem of unpaid insurance premiums. Let's take it one step further:
Suppose you develop a life-threatening illness or suffer a serious injury that renders you comatose for a while. What happens to your loved ones if nobody knows the passwords to your computer?
Especially if you do all your banking online and keep all your address book information in your Outlook, it can create horrific hardship for others.
So I ask: Who knows the passwords for your computer?