I certainly don't keep my money in crypto. But I do have a certain amount of my investment portfolio in it. I treat it as a physical asset that has to be stored properly. Giving instructions for how to access the seed and how to use it seems to be sufficient but I don't have a large enough amount to probably matter all that much. Also, I have worked at banks and it is a pain to get access to bank accounts. Providing a death certificate can take a long time and I have a large amount of logins.