If I die (let's be honest, that will probably happen), would my wife or family get my coins? What if they don't know my passwords/private key?
This is a question you need to ask yourself not the forum. I think there was similar question to this before now so you can always jump in to see similar replies for yourself. If you eventually die without disclosing your phrase with anyone, the that's nobody business.
You can always get try as much to tell people around your secret phrase or where to get it, so they can steal from you...simple!I m really trying to understand what you are saying here but I guess you are saying the OP should not disclose his secret phrase or keys because you fear people might steal your crypto? You are correct in one thing though, your crypto and whatever you do with them is everyone's business but I don't think we want our crypto assets lost because we didn't give access to them to anyone.