Write a response giving your opinion on whether non-probate transfers (transfers outside of a will) should be as easy as they are right now or whether these kinds of transfers should involve a similar level of difficulty or formality to executing a will, where you have to have a couple of witnesses or ordinarily meet with a lawyer to explain what you want to have done, for example.

State the advantages and disadvantages of each position - whether it's worthwhile to have oversight or whether a person should not have to explain to anyone what they want to do with their own money and assets. Further, describe what these safeguards might be if your opinion is in favor of instituting them. In particular, address elderly people and whether people should be treated differently once they are over a certain age and whether some prerequisites for non-probate transfers should only apply to elderly people, as well as explain what the justifications for/problems with discriminating like that might be.