different surname, no will, no trust, 10 years arrears of unfiled taxes, non-helpful bank staff (except for the new current ones), my own inexperience, nobody giving me the right info, lots of missing documentation, blah blah blah etc etc etc.

standard Canadian savings account at TD Bank.

I encourage anyone who owns ANY fiat to write a will, even on a napkin they said is WAY better than NOTHING.