I think you are looking for something that does not exist, a pain-free, no-problems and easy settlement of your estate after you pass. It doesn’t exist.
When people pass there are lot of potential problems that can arise. Life is complicated and no one knows and appreciates the myriad of possible events and details that are possible.
Bills and obligations of the deceased can pop up from nowhere and it takes time and work to sort out the ones that are valid and those that are scammers.
Consider resigning yourself that the people you ask to take care of your affairs when you pass will have some difficult and possibly pesky tasks on your behalf.
You can make it easier for them, but you can’t make it easy for them.