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.
Lol most of us don't wanna share our Keys to anyone as we are confident to be keeping the Hold for long time , but the problem if there is a unexpected things happened, if we die in accident or something related to that matter.
this is the reason why we must be need to trust someone that will keep hand our coins if there is the same situation happened.
this is the sad thing about crypto investing because since this is super secured then even our love ones cannot access without our authorization .