If your other half/partner/santa little helper/whatever is not in IM, there is no way they can pick up where you left. We are so dodgy trying to game G and it users, we often loose track where we are - must go on holiday for a brain reload.
Which leaves the offline conventional passive income. Build that and if your time comes, so be it. You've got something that will easily support your family - at least they will know how to run it.
Mind you, that's a great idea for an special broker service for IMs. "We will sell your business when you die and remit the proceeds to your family" NDA available.
marketercheckout.com is available