You can't inherit or transfer debt though?
Ross, it sounds like you still have a pretty positive attitude about all of this. Thanks for keeping it real.
There is a great book out there called How to Die Broke. The idea is to transfer any assets that you have before you pass and then to go nuts on any debt vehicle that isn't linked to any survivors (ie. cosigners, guarantors etc.) For e.g.. If you aren't married, with joint debt, VISA can't get anything from your estate if there are no assets in your estate.