While there are certainly technical aspects to what you want - which other have already addressed quite well - those aren't the only considerations.
Banks, for example, tend to take a dim view of password sharing, even amongst spouses given home often they have to deal with collapsing marriages. Most other financial institutions and insurance companies have similar policies in their user agreements - which may also allow for the termination of services if violated (although how often those clauses are actually used is a good question).
At a minimum if you think the chances of having to access each others' passwords due to incapacitation is more than negligible, then I highly recommend appropriate General and Medical Powers of Attorney. I also recommend setting up legacy contacts between each other for major accounts that support that (Apple and Google both do at least).
Of course for banking, assuming you use the same bank, it is easy enough to have separate accounts for you individual money, a joint account for household expenses and have all the money required for the household and all bills in an account that appears in each of your online banking apps without having to share passwords (and anything in the individual accounts for personal funds wouldn't be critical enough to not be able to wait on an in-person exercise of a Power of Attorney at the bank.
I guess what I'm trying to say is, sharing passwords is OK for some things but a poor substitute for proper planning around medical or other life issues.