I am close to your age, and it's definitely not the age to worry about dying, even though it is often coming to mind. Firstly, if you're accumulating your BTC, you should have a plan for them. Simply accumulating them seems useless to me, because they are worth nothing if you never spend them, right? As for the question about who should receive the money, mine would go to my spouse and children. You're saying kids should learn how to earn their own money, but I don't think it's fair. It's natural to help children find direction, profession, job and support them financially until some time, at least, so that they have resources to educate themselves/do an internship/volunteer before finding a well-paying job.