I dunno. I've known people who had terminal illnesses at a young age (and I myself had a serious illness at 19). Didn't turn us into forward-thinking estate planners. I just did mine, for the first time, after realizing that I had in fact survived, had kids and finally, had assets (a house, some other things.
If a family lives on credit or doesn't have assets free and clear (we know very little about the finances of this family), getting one's affairs in order isn't the same. Many Americans die with debt.
Suzanne came from a family with assets - did they have cash? Or did they own a business that provided salaries to various people? Did everyone have good healthcare? We don't know. They had an instagram lifestyle but sadly, that means little these days - at least to me.
My mom had cancer early - didn't change a thing about her estate planning (which almost didn't get done). My mom had four different kinds of cancer over 30 years - and never did estate planning until her 70's.
My good friend had MS - didn't do estate planning. Died at 34. Had intellectual property rights and other assets. Another - whose parents were quiet wealthy - died of congestive heart failure at 49, after 10 years of health issues. Got married, had a wonderful wedding and never did her estate planning.
I think it's odd to claim that people who have early serious illnesses are all forward thinking about estate planning. Two of my uncles (both smart men) died intestate (one of cancer, the other from diabetes). They both had 10X more property than I have today. What do you make of that? One of them learned he was severely ill (on dialysis) when he was 50 - not that old, right? Lived another 7 years without plans, even though his kids really wanted him to make them. IMO.
I think there are many groups of people out there and some of them just trust that things will work out once they're gone - and they don't want to think about it. Of the many people I've known who were seriously ill early in life, taking the Que Sera, Sera attitude was/is not uncommon.
In some (many) families, one person takes charge of all of this. That may be the case here and it might not have been Suzanne.