Most families aren't ignoring this because they don't care. They're busy, it feels complicated, and there's never a "right time" to sit down and do it. So it waits. And waiting means that if something happens tomorrow, your family is left with confusion, delay, and a court deciding things you should have decided yourself.
And here's the part almost nobody tells you: even the families who do get it done aren't always fully protected. It's common for a trust to get signed but never actually funded. The accounts never retitled, the plan technically complete and practically useless. Whether you're starting from zero or think you already have this handled, the gap is usually the same: nobody stuck around to make sure it was actually finished.