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?
To be honest, if they didn't know about your password or seed, they wouldn't be able to get those coins, and those coins would be lost forever to your family and from the market. That bitcoin amount won't be usable for anyone. I am also aware of that. That's why I write my seeds and pass them on to a notebook and keep them safe. Now I am teaching.