That is a challenge. Hardware wallet is still the best choice in my book, I would share your seed phrase with your children or person inheriting your wealth if you trust them and when they are old enough.

I also use unchained capital which is a incredible multisig service for inheritance management. nostr:npub1m6y9qq06c74trgs60ya320pgmhz6099grra5lw04akyuxvcz7lvq9ue2p9 can help you get signed up if you’re interested.

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Yep, it’s a tough problem.

Hardware wallets breach privacy because they look like bitcoin / crypto devices and disclose to border guards that you’re holding something (for people who travel a lot and have no fixed base). IMHO for digital nomads it’s better to use ephemeral offline operating systems like tails.

Using a company like Unchained solves inheritance but breaches privacy because they are a honeypot and do KYC on their clients.