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.
I actually didn't find any solution on that .I am the only person of my family ,who have the knowledge behind this coin and the crypto market as well .My wife ,she has no idea about online ,how could she recover it when after my death .I have daughter who are in 8 month in age ,I just pray to almighty that he can give me more age to alive.I wanna teach it to her to get my asset easily .I also taking a note like you if i don't have much time i will tell my wife to give it one of my trusted friend who has proper idea about it .There is nothing more idea can help me ,My family may lost everything if they don't able to restore and sell it .Only almighty knows what will happen in next .