Taking care of your funds is your own job. I completely disagree that the creation of every Bitcoin wallet should accept or demand a few addresses. The whole point of this is to let you decide how you deal with your money. If you want to give a few backups to relatives, do it. If you don't, do that instead.

Sure, Bitcoin is code, but how would Bitcoin know that you're dead? And how would you store 3 addresses per wallet on the blockchain while keeping them private and not bloating up the whole thing?

There are many ways to make sure your coins aren't lost after your death, but it's been discussed many times here; you can find different ideas and schemes by using the search bar.