If you died tomorrow, could the people you love actually get your Bitcoin?

Bit of a morbid one, but it's been on my mind and I don't think we talk about it enough.

We pour so much energy into securing our coins. Hardware wallets, seed phrases, steel plates, the whole ritual. Be your own bank, trust no one. And then what?

If you got hit by a bus tomorrow, could your partner, your kids, your parents actually get to your Bitcoin? Or does it just sit there forever behind a seed phrase nobody else even knows exists, quietly becoming another entry in the "lost coins" stat?

The exact thing that makes self custody powerful, that nobody can touch it but you, is what makes it a nightmare to hand down. With a bank account someone shows up with a death certificate and eventually gets the money. Your cold wallet does not care that you died.

I don't have a clean answer. Writing the seed down somewhere the family can find it feels like it defeats the whole point. Doing nothing feels like I'm setting them up to lose everything.

So how are you actually handling it? Multisig with a family member? Sealed instructions with a lawyer? A letter in a safe? Or are we all just quietly hoping we don't die before we figure it out?