1) Unable to speak in general - mute people have been coping with that for a long time. If they don't know ASL then there's still pen and paper

2) if you're completely unconscious perhaps it's time to consider having people in your life who know about what bills you have and what needs to be paid.

If something happens to me for example my BF knows my bills - mainly my storage unit and my car insurance. I would expect that he would do something if I was unconscious and unable to manually make payments.



Because in the long run it is NOT their responsibility to compensate for customer actions. It's part of assuming the role of an adult - planning ahead should something happen to you.