This could be a good problem for big investor. For me I will set up a family member as a nominee. Then I will write down all steps how to open or how to use even will write authentication code if exchange used. Then all I will put in bank account, this is the plan to me.
Have you done it now? this indeed becomes a dilemma, if we do not write a will to someone in order to access our wallet. this also can erode little by little the supply of bitcoin in the market later. I think we should prepare it immediately so that our assets do not stop
Some people are so selfish that they will rather allow their money to wroth in the wallet or bank than allow anyone to gain access to it even while they are gone, especially the younger ones that have not married or start having children, because if not, at every stage of one's life, one should have a next of kin, and the next of kin should be the one to have access to the cryptocurrency money.
In cryptocurrency, naming next of kin is really not enough because they might not know since nobody will inform them unlike banks that will call, no one controls cryptocurrency which makes it very important that one should do a will down so that the lawyers can read the will to the next of kin in order to have all the detail needed to access the wallet.