Maybe in your state, not in my state. If I have money in an account and it isn't a joint account or an account with a named beneficiary being married doesn't cut it. That money would become part of my estate, end up in probate and the state would distribute it.<quoted text>
All untitled property of a spouse remains the property of the marriage, even when one spouse dies.
Gay couples, married or not, can have joint accounts and name beneficiaries. Not to do so would be stupid.