"I did see someone say that the ideal situation is IF you can get a conclusive date for your death you organise to spend all your money by two years before that date and then live on as many credit cards as you can get."
With everybody doing it credit car interest rates would have to be much higher meaning that your usage of credit card debt during the period ending 2 years prior to your death would have to be able to subsidize your default at death. This, of course, under the assumption that when you go you would not be leaving anything but debt.
