反思独居蒋女士离世事件：补齐制度缺口，让每个人从容老去

Core Viewpoint - The case of Ms. Jiang highlights systemic deficiencies faced by individuals in vulnerable situations, particularly those living alone, in the context of changing population structures [2][3]. Group 1: Emergency Medical Decision and Financial Mechanisms - There is a blind spot in emergency medical decision-making and financial payment mechanisms, as Ms. Jiang's bank accounts and insurance claims were frozen due to privacy protection and lack of authorization [2]. - Legal provisions prevented her distant relatives and community from accessing her funds for medical expenses, leading to a situation where she had money but could not use it [2]. Group 2: Inheritance Processing and Funeral Needs - The conflict between inheritance processing procedures and humane funeral needs is evident, as Ms. Jiang's estate will be managed by the civil affairs department without a guardian or heir [2]. - The community's requirement for a written application and reasonable cost limits for funeral arrangements posed challenges for her distant relative, who wished to hold a memorial service [2]. Group 3: Social Support Network Failures - The social support network for individuals living alone, like Ms. Jiang, is inherently weak, leading to delayed assistance during emergencies [2]. - There is a lack of legal authorization and clear pathways for community and workplace units to intervene in critical personal matters such as medical and financial issues [2]. Group 4: Legal Arrangements and Public Awareness - The high threshold and low prevalence of preemptive legal arrangements, such as designated guardianship or detailed wills, contribute to the challenges faced by individuals like Ms. Jiang [3]. - Public awareness of these legal tools is low, and the complexity of the setup process, along with psychological barriers, results in most individuals not making prior arrangements [3]. Group 5: Systemic Recommendations - The narrative serves as a warning that the social system may not be prepared to support individuals in similar situations as Ms. Jiang, emphasizing the need for systemic reconstruction beyond mere fixes [3]. - Recommendations include establishing emergency judicial measures for incapacitated adults, prioritizing reasonable funeral costs in inheritance management, and granting local communities clearer authority for urgent interventions [3].