You may not need a trust, an elaborate estate plan or even a will. But unless you want a stranger making important decisions for your and your family, there are some things you do need.By Liz Pulliam Weston Most Americans don’t have wills, but that’s not the crisis many in the estate-planning industry would have you believe. With a few exceptions -- which we’ll talk about below -- most people’s quality of life won’t be much improved by a will. That’s because your state already has a basic plan for distributing your stuff when you die. You’re dead, so what...