Many older people tend to save their money in time deposits or passbooks because they feel it is safer than using an ATM. However, what they might not realize is that if an emergency occurs and they pass away suddenly, the process of closing their account can become a significant struggle. This is exactly what happened to me. My mom was a strong, independent, and active woman, but the pandemic changed everything. She was forced to stay home for more than two years, and due to the sudden change in her routine, her health declined. The unexpected happened: she passed away in September 2023. Weeks after her death, I faced a dilemma because, aside from her personal savings account, my own accounts were under her name. I asked some family friends if they knew the process for transferring ownership of the accounts to my name. Most of them said it would be a long process and would cost a fortune due to taxes. Some even urged me to forge her signature and gradually withdraw the money little by...