That's exactly why I'm bringing it up. If something happens to you then what happens to your crypto that is protected by your key. My assets are documented so that in the case of my being removed from the population unexpectedly, my family knows where they are and has access to them. There is no chance of them being lost forever. Physical gold for instance might be lost but there is an off chance that it might be found some time down the road by accident. Remote but still a chance. Not so with lost crypto.
[Knowing how to access does not equal having access] If you think it through, our setup is similar, something happens to you nothing lost, something happens to me, nothing lost, maybe a small amount on an obscure wallet I can't speak for other people in Cryptos, but there are companies that help with the passing of a hodler Off the top of my head, you can setup a multisig wallet to store copies of your private keys, a 2-of-3, one to your wife, the other to a lawyer with instruction for assistance in the event of your death Or a simple encrypted storage handed to a trusted person with the instruction to provide to your wife in time of your death Give the key to your wife, but no need to disclose who the person is, but this requires meticulous testing and updates so if you choose your brother in another country may pose challenges but it removes geographic risk and functions as an offsite backup, i.e. local tornado or earthquake wiping out your electronics Anyway, the limit is your imagination. You're thinking there are no solutions other the coins being lost forever but the people who have been in the space for a long time know and already have solutions that fit their situation