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"Steve has not accessed any of his assets since his disappearance."

Interesting choice of words.

And, as we all know from TV and movies, any self respecting super-rich person stashes some of their cash in secret overseas bank accounts.

Well, if you saw bank or credit card activity that would be a big red flag that something fishy is going on.

Or someone stole the dead guy's wallet and decided to try the credit card.

Correct, but it's phrased as if he's alive. Which helps make it sound more fishy than it really is (not fishy at all).