Here’s your solution: assume you will have something left when the estate pays the bills. Maybe a few hundred bucks, many a few grand (for instance, if there’s a car to sell off).
Take a look at what your state’s laws are regarding inheritance taxes in cases where there’s no will. In most places but not all, if there’s a spouse the spouse gets it all; if no spouse but children, it gets divided up equally among the children; if no spouse or children, divided up among siblings; etc.
Whatever it is where you live, if you’re ok with it, then don’t worry about a will. Though it may be that naming an executor will save your estate some money because your executor will probably charge less than a professional agency would for the same work. That’s the only other reason I can think of as to why you would need one.