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?
They would get your coins if they do have the private keys of your wallet which simply means that you would really still need to tell them about those informations if you are really that serious on giving out some inheritance of those assets once you do die.Of course you would be telling and teaching them about on how to access wallets and able to make sell once you do pass out.
So it all matters on how well they do get those informations at least with the basics but if you cant trust up your family while you are still
living and they might be accessing those wallets early then this is where personal choice do really ends up.