Your Estate is still you, in the modern context you are a fictitious entity represented by your assets, debts and liabilities as well as a physical person.
When your physical person ceases your fictitious entity remains and the executor of your estates is put in charge to close out that fictitious entity by settling any debts with any assets you may have, the remainder of the assets are then dispensed as declared by you, or by law
I fail to see how this is in anyway not inline with my statement or creates the same kind of generational debt that plagued the past
