Bitcoiners have less to fear from boating accidents, and more to fear from getting hacked.  It is scary that your Microsoft Windows®,Apple®, Android or Linux machine is just one careless e-mail attachment click away from scrambling all of your data, and sending all of your money to heinous criminals who know how to make money disappear.  Don’t you wish that you had bought a hardware wallet created offline cold storage addresses?  Such grief!