Banks hate competition, so they ensure the teller is not stealing money from the client.
The credit card/PIN combo sounds great until someone walks into the bank and says their wallet was stolen, or even, that you died last week and presents a forged death certificate. The point is every system has a failure point if someone is determined enough. NFTs can prove digital presence in a specific wallet, they can't actually prove who owns the wallet. No crypto asset can do that, which is why many people have gotten tricked into giving up their private key or recovery phrase.
In case of death, the bank ask for some papers signed by a judge that says you are the official heir, and they will check in the national death registry. No way they will believe in a piece of paper.
I don't claim it's impossible, but in both cases there is a lot of paperwork to ensure it's difficult.