News Bulletin in Florida
Wife cannot get funds from late husband’s bank accounts.
“Only in his name” In that event, if you have a joint account
Or your wife is a beneficial of your account is that a safe bet
That your wife wouldn’t have these difficulties if you should pass on.

All true.
She will have to wait.
Of course, many a spouse has run off with the funds before anyone died.

Florida Probate: An Overview | Nolo.com

That would seem to be a conversation a couple should have, and at the very least have each other as beneficiaries in case of death as Joy's site points out.

The lady got the husbands money from Wells Fargo
But only after great difficulties . Thanks for the advice.