That'd work for above idea - just give half the password to one person, and the other half to the other person.. tell the whole family who has 1 half and no one who has the other... that way if someone buys all this new stuff, the known person can be blamed and held accountable. There are other benefits to splitting it like this... if the unknown person tries to collude prior to death, the known person can come to the wallet holder and ask that the unknown person be replaced. Why not just give the password to 1 person... they are a target for pressure or can do a runner prior to death. In the will, the unknown person can be revealed. The issue is either of the two people losing their half passwords, or claiming they have.