If you die then your BTC will be secure in your wallet. But if you tell your private keys and password to anyone then he will access you wallet otherwise your BTC will Secured in your wallet for life time.
It's true that bitcoins will still be stored neatly in our private wallets, if no one knows our wallet's private keys. If anyone knows about our private key, of course he (who knows the private key) will take ownership.
But I think, we have prepared for it, as for example we will give to our heirs.
Of course all of our possessions, we will inherit to our families. not only bitcoin, but all of our possessions we will inherit to our beloved family, we also don't want the price of our objects to be in vain, not used at all, we are looking for money we will definitely prepare for our families, especially parents and children our children in the future so that life is not difficult.
but it's all a choice for all of us. The choice is ours during life, we want to bequeath to our family or we donate to others.