See you need to act smart if you are having lot of bitcoins,first do not store all of them at one place especially in online wallets,they are prone to hacked,use good paper wallet and save big amount of bitcoin there.secondly don't tell anyone about private keys of your wallet,don't save it online too,keep these things in mind and you are good to go.
Which means if you have an accident and hit your head you forget your password - and then because you had an accident you lose all your money - and then you don't have money to pay for the hospital. Clearly this just makes Bitcoin even more dangerous when you think about it