The trick is to become penniless on the day you die, I wish I knew
how to do it.

Easy DIY solution: carry all you own with you in cash; and wander about
a bit at night around here or in Brixton, Toxteth etc etc. I assure you
the option to die and be penniless will present itself to you before
long, albeit you *may* have to help a little by not handing the money
over when asked.
--
Robin
reply to address is (meant to be) valid