The challenge is that unlike Fiat that is kept in the bank, cryptocurrency holders usually do not reveal their key phrase, so it becomes difficult to transfer the assets to a next of kin.
Another thing is that some country do not approve of cryptocurrency meaning you can't store your phrase with the bank.
This means that you must be ready to have a solution so that your assets can be transferred if you die later. I mean you have to prepare everything just like you prepare inheritance for your children and family. In bitcoin you may find it easy to do so if you trust one of the nuclear family members, but if not then there are many other solutions that you need to learn so that your assets will be useful for your family in the future.
Have a backup of your wallet and give it to your family that you really trust. But if you mind, then I think you can give it some or in any way you might prefer. Inheriting your assets to your family is important, especially if you care about them because whoever we are will surely die.
Of course this must be planned further about how to transfer assets to our heirs when we die, as I have said in my post, that the private key will not be given to anyone including my family but I will still teach them to know about this so I won't complicate them when I'm not around, just pointing to a place where we store it and that's what we're told while my private key remains secret.
This has to be concerned but I think what is planned must be different, but what is certain is that telling the heirs, especially our children, is important, so basically they want to save wherever they have to be for the plan.