Unless you take some measure to hide or encrypt them (or of course if you don't save them) all of your passwords for every sight are stored in a single file. It's pretty easy to access them from the computer they're stored on. To me the bigger issue is having someone to bridge the "real world" to the virtual one. My brother has a coupe IT degrees and would probably go through my computer in the days following my death...unless of course I died in a house fire! In that case there wouldn't be as many clues. Still, I'm pretty well known at a couple of them.
It's a good question, and again one I've been thinking about quite a bit or at least five years now. Still don't have a great solution though.
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