Bereavement

But for other folks who don't want to go through probate and don't think they have a will. Put both spouses on all titles, bank accounts and credit cards. That way you own those things even if the other spouse passes away.

You still have access to all those things even when the worse thing in your world happens, because your name is on them. No delay, no need to go through probate. Even if you have separate bank accounts, you can put 2 names on the accounts but only one person uses the account.