Under current laws in many states, an account can be declared 'abandoned' simply because the owner hasn't logged in for three to five years, even if the owner is alive and just 'buying and holding' for retirement. This is a major issue for the crypto community and long-term stock investors who might lose control of their assets or face tax headaches when trying to get them back from the state. By requiring proof of death and extending timelines, this bill ensures that your private property isn't seized by the government just because you haven't interacted with your bank lately.