Re: what if you get hit by a bus?
I use keywallet for all my passwords. Available at keywallet.com for free. I have then told my significant others the key password (combination of simple info they would only know) that will get them in to the complete password wallet on my PC. All of the accounts are listed therein as well as the randomly generated passwords.
The other good thing about keywallet is you never have to remember passwords or fill out the forms as it automatically does it for you with a simple mouse click and drag into the first field.
Now that you mention it though I believe I will also do the "envelope to the parents/significant other" thing in case my PC is destroyed at the same time the bus hits me. In this case I would simply list the name of the sites along with contact info. I would imagine the sites would require a death certificate to withdraw the funds.
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