No bank manager in any legitimate country or company will simply withdraw the funds because someone passes away and they aren't claimed. There are procedures for this, and they will tend to simply be put in some sort of escrow account that will for a long while. The lesson here is everyone should have a will established with clear and proper instruction dictating where all assets are to go and how to access them.
In the traditional market: if there is no will, the assets of the deceased are usually divided among the beneficiaries according to the law. Banks often cooperate and support when there are sufficient certificates from the family of the deceased.
In the crypto market: I think the same can be done if crypto is considered an asset in that country. The only problem is: we cannot access crypto assets without the private key of the deceased. This will continue to be a problem that we will need to solve in the future after having a legal framework for crypto. Crypto asset management and private key management services can be created to serve the purpose of inheritance.