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> Even if theoretically those institutions should proactively search for deceased owners' heirs in some jurisdictions, I wouldn't trust this to happen.

It happens all the time.

https://www.cbsnews.com/chicago/news/the-countrys-largest-re...

It took them years to find distant relatives; none knew about the guy or his money. Why didn't the state workers just do nothing and keep the money? Because they actually do their job, that's why.



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