Biometrics: Some thoughts!!

After a quick read of thoughts on problems with biometrics , I was thinking how the accounts can be accessed after a person/owner has died. For example if a system is built that provides access solely on biometric authentication (without any escrow system in place), what would be the process to access those accounts after the owner has died. Does this mean that a biometric based security system can not be built without an escrow system in place.
Also, does it make sense from a liability point of view to become owner of biometric data. Just in case more stringent privacy laws come in to force and/or a precedence is set specifing the data owner can ask the data manager (enterprise that has the information about the owner) to pay for the damages caused by the loss of data, the biometric database would become a huge liability for any enterprise.
Thoughts??

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