One of the core ideas behind the creation of bitcoin is its decentralized nature and the fact that you are your own bank, any idea or project that wants to safeguard or keeps your wallet or keys for you on your behalf in case of death etc betrays the logic behind the creation of bitcoin. In the end how you make sure you dont loose your coins depends on you either you put it in your will or give a trusted third party and hope your trust is not betrayed in both cases.
1/ As you correctly stated, the core is in decentralization. This means that a centralized wallet compromises the benefits of crypto while a decentralized one i simply a tool to ease your life. When talking of bitcoin there is no possibility of coding smth decentralized but on ethereum you can.
2/ Involving a trusted party is against the logic of crypto, it is trustless interactions that crypto is aiming to achieve.
The moment you decide to jump into the Crypto business you automatically turn yourself into a great thinker.
Security is a very big problem when it comes to Crypto
Security is a very big problem when it comes to Crypto
Mistakes are not alowed in crypto that is why you must put your most valuable organ to work
