Lets face it HBB (hit by a bus) can happen any time
what is you mechanism or plan to inherent you BTC to your loved ones?
particularly if they are not IT literate.
In my view A person could easily loose your coins in so many ways if you do not understand what you are doing.
If I die, my parents would probably think where did all the money that I have goes. After the funeral, at some point they would probably investigate my computer with my sister who knows how to use bitcoins. They simply have to find the notepad where I'm keeping my wallet's seed and that's it. My years of earnings are all theirs. It's not that hard to figure things out since I don't hide my notepad at all. It's just somewhere in our house where you can easily find it. You wouldn't think that one piece of paper is so actually so important to me. Good thing because no one's visiting me to our house so no one can find it except my family.
In simpler words, when I die, my sister knows what to do. No worries about how to pass on my bitcoins to my family.