Well, you have raised a point. Next of kin are always a problem. Often troublemakers, especially in-laws.
Point 2,
It's rather rare that adventurers find themselves dead in anyone's back yard, so I'll discount that point. Also, most (useful) rescues are focussed on retrieval of living adventurers. In many cases, money is wasted on rescue where the 'victim' would have made their way home eventually anyway. I realise that might not always be he case. But, from experience I've been force rescued twice even though I told the rescuers that "I'm fine I'll just be home a bit late for dinner." In neither case did I call them out, or indicate there was an emergency, they had heard where I was and came after me anyway. Although it was convenient to have my boat towed home, it was a totally unnecessary expense on their part.