A lot of things can happen Mike, People can get sick and incapacitated or Die unexpectedly. Life has its challenges
There are a lot of clubs out there in that situation. As I stated before, I wish they would allow co-owners.
They only thing you can do is create a backup plan, either someone you trust with your password or send a transfer to that person to be used if something happens to you. I don't know what else you can do.
Don