well i think Then it will be gone forever.  No one can access it since you or anyone who have access to it eventually die without formally transferring the knowledge he have.  And it will affect the bitcoin available in circulation.  It will be dead since no one can use it or retrieve it.  So better thing to do is to teach your kids or anyone in the househould about bitcoins and That's really the reason why plans about their coin recovery in these situations are the reason for the forums. And right, when the end of mining is actually going to be lower than the total of coins it is moving