Of course be real smart and spend it all, don't have to worry about the banks closing, since you just owe them anyway. Don't have to worry about someone stealing it, you don't have it. And don't have to worry about what to leave, it is just bills anyway.
Course I always let them think there is a large life insurance policy, that way they all show up for funeral, the junk in house gets cleaned out when they look for the policy.