If you do nothing at all, your funds will never move after you die. In reality, you're actually taking those unspent outputs out of circulation forever, so you'll be responsible for a tiny increase in bitcoin price... Less supply + equal demand should increase the price

In my case: I have one daughter. She knows where to find my hardware wallets, she knows the pincode and i've taught her the basics. After I die, she'll be able to spend everything I held my whole life. I tried to make things as simple as possible for her: no hidden messages, no extra encryption, no ssss, just a hardware wallet and the proper gui... Making her jump over hurdles will only decrease the odds she'll actually be able to spend my funds, and i'd rather have her rob me wile i'm still alive than increase the odds she won't be able to spend my holdings after i die.
Same thing if you forgot your password too, there are a lot of coins lost somewhere that will never be retrieve.
I get you, it's easier, my girlfriend knows I always use this password in any important things cause I'm careless and always forgot something important, I told her the basics of bitcoin and even though I haven't have a lot of btc in my wallet, it still has value. I gave her one time password without any hard codes and such. But I do have paper wallets too for my other family members. They knew I'm into bitcoin and my brother knew how it works even though he doesn't own btc.