And you think cash/fiat isn't? "Give me your debit card and pin or you're dead". Or "give me all your cash", or "give me your whole wallet". Although people don't carry a lot of cash on them, they are still carrying tons of money. A credit card can be worth thousands of dollars and people generally have more than one credit card on hand. Furthermore people also carry debit cards which give direct access to their bank accounts. And they don't need you alive to take and spend your money. They can kill you and just take your credit cards and debit cards from your wallet, no need to keep you alive to get a password like you need to with Bitcoin on a phone.