Because you are your own bank then you have to put in a provision that in the event of any of the above ,then you have a way to recover your funds.
Death - if is a significant amount then you can always make a back up with a will and a solicitor will execute your wishes .
Fire - keep a back up some other place than your house
Loss - again you can make backups
I agree with this opinion, if you do have a large amount of value in the world crypto, you should make a backup, and keep it all in a safe place, better if you have a lawyer and you just set it all as you wish if one day things you do not want to happen, like death may be, so your lawyer will then give you all your account data to who is entitled to receive it, just like your family.
this is just my opinion