What happens to your business if you can't run it tomorrow?
If you run a business alone, you are the single point of failure. The logins live in your head, the clients only know your email address, and nobody else knows which invoices are outstanding or where the backups are.
If something happens to you — an accident, an illness, anything that keeps you away — the revenue stops, clients are left stranded, and the people who care about you are locked out of everything. Not out of malice, but because no one ever had the keys.
We wrote about this in detail: what happens to your online business when you die. Imok exists so the answer isn't "it just disappears."