Maybe, you could entrust your security to your friend, for example, ask them to remind your family if you die, that you have a drawer where you store bitcoins, including all the security passwords to your account to make sure that they can access it. I think there's no reason for you to put up a puzzle for them to brute force your accounts just make it easy for them, the only problem you need is how you could make sure that you are the only person who can access your drawer, and to make sure it is secured. All you just need is a piece of paper, hide it in the safest place possible.
As far as I understand, a person initially does not want to trust his money to anyone, friend or family. He wants them to be able, even theoretically, to receive money only after his death, and not earlier. And here big problems are possible, because let's say that a person does not trust anyone, although, I would probably suggest then, a bank cell.
You do have a point on where not all people would really have that kind of trust even though it do talks about into their closest loved one when it regards to money.We dont now that in-depth reason but its their choice
we cant even tell if they do tend for those funds to be inherited or just fully decided to let those coins lost in void after his/her death.I do see that bank cell option but it would be all useless if you havent teached out
everything to those people whom you do like to received your crypto as an inheritance. If you are willing to leave it all then you will surely have that option on teaching out everything next to the person whom you trust.