If you die without giving the keys to anyone, the value of your stash will be distributed among all existing Bitcoiners...
I know that, mate.
Either you hold your coins and you lose your coins, you're still give contribution to the community. But it doesn't make sense to just lost all of your coins when you have a choice to take a risk and save all of your coins even it's not belong for you anymore.
As a dad, supporting my children financial is better, so they wouldn't need to become poor and has more chance to be successful since they have enough money.