Re security. Some valid points there in the long term.
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I mentioned this in the 'how many bitcoins have you got' thread and suggested a time delay wallet similar to the safes in banks. On reflection this might just result in you being held by the violent criminals for even longer, making the whole experience of losing all your money even more unpleasant.
There is one possible solution. You ask a trusted third party such as a lawyer to generate a secret key unknown to you. You generate your own secret key. A bitcoin address is formed that needs both keys to be known to open it (this is easily done) and you transfer your bitcoins to this address. The lawyer cannot access these bitcoins.
Then in order to access your bitcoins you have to go to your lawyers office and sign a release form and you are given the other key.
But please ensure that all of the violent criminals are aware that you have done this. Alternatively spend all of your bitcoins and your fiat as soon as you get it. I use this method and it works fine.
It's pretty straightforward to keep cold storage BTC exclusively in a safe deposit box with no access to them saved having some 'free time' to enlist some assistance. That is what I do. The bold part is the hard part.
As for turning them into fiat, that would have been a very costly method for those who acquired BTC some time ago. But 'having nothing' is indeed an effective method for not getting robbed. Attempted robbery is another story...