this post was submitted on 06 Aug 2023
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Yeah, but I feel that is the smallest problem if you suddenly start the morning by mass applying to credit cards, spend like a mad man and then drop dead the next day. Remember it's beyond reasonable doubt, else you couldn't ever convict say 1st degree murder because a key difference between that and say manslaughter is that you planned to kill the person. Now if you don't write that down (who would?) it's proven by your actions. Like say buying the murder weapon the day before. Or going out of your way to meet the person, i.e. not somewhere you're normally at. And the crime would be to not plan to repay, not necessarily that you drop dead. Dying could be unintended, say an overdose from partying too hard.
I was still under the premise from the OP, if we're just talking defrauding banks then yeah there are ways to make it work sure. It has been done before almost guaranteed. Most push for a hefty life insurance as well before they cause their own death in a way that can't be conclusively ruled as a suicide.
The problem with the concept is that you kinda do need to die. Else you've just amassed a shit ton of debt. And most don't want to die. And those that do generally aren't in a state of mind to plan it out well enough to work. Not to mention that you still need to have a credit rating good enough that you can get a decent amount of loans / credit card limit to make it worth the effort.