What about financial accounts? I need to ping my accounts every X years or the company just keeps the money?

Depends on the jurisdiction. In the US, each state has escheatment[0] laws governing how untouched accounts are retired and how they may be subsequently claimed by their original owner. That process typically happens through a government agency rather than through the original company that held the account. But other parts of the world have other processes.

[0] https://en.wikipedia.org/wiki/Escheat#Transfer_agents_and_es...

That doesn't seem logically related (though that doesn't mean it legally isn't). If there's a statement from last year saying that the account has x amount of money in it, then that's a document within the 10 year retention even if the last deposit was more than 10 years ago, so there's still a record that the account exists.