Before death, everyone will tell their own money to their children, or when the children are sensible, they will give some important things to the children to save.
Your own money and private key can tell people you trust. We cannot predict which of tomorrow or death will happen first. We can only prepare. Arrange your own affairs before death.
Since I already have children, it is certain that all the Bitcoins I own will be passed on to my children. Therefore all the money and all the assets that
I have, including the Bitcoin that I own will be inherited. Before I died, so from now on I have told people I trust where I keep my private keys.
As you said, we never know when we will die, so I have prepared everything from now on.