I quite agree, Niki!
When my Mum turned 60, we tried to talk to her about putting some sort of insurance in place - just to cover the expenses should the worst happen.... well, she got upset about it, then she agreed, so I arranged a small policy which would have been enough to sort out her funeral & not a lot else - we certainly weren't looking to get rich from it!
Anyway.... at that time, in our own wills, we had my eldest chosen to take charge of our estates - the younger 2 were under 18 at the time & my Mum took exception to this

Saying that SHE should have been the one to sort things out - so her policy never got done... she died 18 months later... we got landed with the costs & were left with a bill of £2500. And that was a modest seeing off too!
My MIL on the other hand has already paid for most things & has her funeral plans all sorted - even down to the caterers & the venue of the 'bun fight' as she calls it.... ok, it's a bit extreme, but we know that when she goes, everything is already done - we just have to make the phone calls - very civilised indeed.
As for us, well, we have differing ideas - Andy says just pop him in the garden.... I'd want a garden ceremony too - but I'd like a cremation first & my ashes can go up with the pets already resident (well, we only have one pet there so far, but by the time I go there will be a few more, I'm sure) Then plant some freesias around the area & everyone should wear summat yellow - and smile... cos I shall be watching!!
Talking about death can be a taboo subject for many folks - but in our house we've NEVER skirted around taboo topics - face them square in the eyes & stare them out, I say! It takes away fear.... and everyone else around you is in NO doubts as to your wishes.
We all have donor cards - altho my eldest doesn't want her eyes to be used - fair play, it's her choice - as for me, they are welcome to anything they want - if it's still useable anyway!
Right... death chat over.... I'm off to the garden!