If you happen to die without sharing your private key/wallet to someone else or to your family members, then they will be lost forever or just stuck there- thus contributing to its inflation in the future. Just to give you an example, Satoshi Nakamoto owns around 750,000-1,000,000 BTCs in his wallet but they remained to be untouched. This is why some speculated that he may be dead due to the lack of movement from his address.

That is why, it is somehow advisable that you store your BTCs in a hardware wallet and brief your wife/family members about its existence in the event that you unexpectedly die. In this way, they will be able to reap the benefits you left compared to it being stuck forever.