You may not own cryptocurrency or nonfungible tokens. You may not have a big Instagram following or run an online business. But if you do almost anything online, you probably have digital assets — electronic records that you own, control or license. Failing to make arrangements for those assets while you’re alive could cause unnecessary costs, stress and heartache to those you leave behind. Online photo and video collections could be lost forever. Heirs could also be locked out of electronic records with monetary value …