Not sure I'd want to inherit my holdings to a person that I feel could try stealing my possessions.
He may not want to, but accidentally lose them. He may get stolen. There are lots that can happen until you pass away if another person holds your private key. It's much better to just give them a signed transaction that is not yet valid instead.
they are more then likely enough to be leaving their BTC to people who understand it enough to be able to use an X of Y multisig wallet with one of the keys not being released until after death.
How does multi-sig helps the situation? I don't understand.
The person who is supposed to get the
BTC has 1 of the keys.
The executor of the estate has another.
The problem is it will always be a static address so you are probably better off with wallet seed words that are split between 2 people.
You can then use you wallet normally and when you die the executor hands over their words to the person getting the wallet who then would have complete access to it.
The other option is using a hardware wallet that you just imported seed words into with a pin. The recipient of the funds would have had the wallet file and the hardware wallet.
The executor just hands over the pin. You don't even need an executor for this as there are many deadman send email services out there.
It's important to note here, in a situation like this in many many many parts of the world you NEED to have human involvement. There has to be someone handling the estate you cannot (legally) just hand over money. That is the crux of it. I can leave Julie just about everything I want. BUT, I just can't have it automatically happen. I had a friend who had to fly to a foreign country in the middle of the pandemic for a reading & acceptance of a will. Just handing over funds although doable will probably cause more grief then it's worth.
-Dave