When a person passes away, their assets do not immediately become available to the family. Bank accounts are often frozen. Investments form part of the estate. Access becomes subject to a process that takes time to unfold. From the outside, it looks like the money is there. From the inside, it is out of reach.
What happens to those firearms when you are no longer here? Unlike other assets, firearms do not move through an estate quietly in the background. They are tightly regulated and subject to specific legal processes that do not adjust for convenience.
What happens if you are still alive, but unable to make decisions? Incapacity does not announce itself in advance. It does not give you time to prepare or to put documents in place. It can happen in a moment. A serious accident. A stroke. A sudden medical event. Even temporary cognitive impairment can leave you in a position where you are no longer able to act on your own behalf.