Banks are thieves, it's fucking unwise to entrust our wealth with banks, never should anyone leave whole portions of their money in the bank, if for any life sudden incident, at your dismissal everything ever owned are going down the pit, not a single dime will be transferred to your family or children.
I can tell that there are big businessmen who own accounts that their family knows nothing about, one's the account gets inactive for long time, banks begin to pull out funds little by little, time without recall we have heard various news concerning such immoral behaviors, banks should not be issued live savings, we should learn how to decentralized our savings and not put all into central services like banks.
We've seen this things happen as you said it but it looks like all this kind of things happen in Africa mainly I don't think this kind of things do take place in the civilised world where documentation and data are properly taken and kept for reference purposes, the laws here are not effective that's more reason I should agree to what you've written so far, it is funny if we even think that financial institutions don't know what they are doing, they do all this things internationally so that they can wipe out the deceased funds in their custody, the frustration the family of the deceased family encounter while trying to retrieve this funds can even discourage them from continuing the process.
Banks here can never be trusted in things like this, I know that we can not do without banks however, anyone considering putting their life savings in the bank will be doing that to their own detriment because anything that involves banks here in this country can not be trusted so we shouldn't put all our hope their so that we won't get stucked.