When I go it all goes with me.

Not true at all, they’re not gonna bury you with it. Your bank accounts do go through a process after you depart. In many states if you die without a will or any other instructions they go through a long processes to identify your next of kin, and if they can’t identify it then the State takes it all.

You are much better off making a small will and leaving some simple instructions. If you have no relatives you trust with the money, leave it to a charity, like your local animal shelter if that’s your thing.