You make valid points about making family and loved ones having access to funds in the event of death or disability. The problem is how do you find that fine line between not effectively handing them the crypto in your lifetime and ensuring they get access to it after your death or disability?
this cannot be confirmed unless you are still alive to see if your family uses the money from the crypto that you have earned so far. I think at least the family that I trust knows that I have some money from crypto that they can use when they are experiencing economic problems