Should I just put my kids on my house and bank accounts, so that its smooth if something happens to me?

If you add anyone to the ownership of your home or your accounts, that person OWNS that account along with you. So, if that person is sued (think car wreck, divorce, unpaid debts, etc) then the creditor can potentially take your home, and your accounts because the co-owner of the home or account OWNS the account. While that certainly isn’t the intent, be very careful with re-titling assets.