It could cause a lot of distress, and police involvement. They will have to report your death, but because there is no body, there might be legalities behind actually making you dead. And they wouldn't want to leave a body just waiting to be found, so there would probably be a forensic search of your phone and computer for you.
Credit card and other debit companies or bills can keep stacking up for years if they cant legally declare you dead. Sometimes even with a death certificate companies will still try and charge the deciedant and their family.