I don't think we are talking about the same thing actually, you seem to talk about funds/investments belonging to your couple/family while Wind_FURY and me are talking about your own funds, money that you want to keep for yourself.
But I don't have anything I want to keep from my family. What good is my money to me after I'm dead? Why would I not want my family to have access to it?
You don't need to share your security secrets with your wife to let her inherit your cryptos after your death. You can simply encrypt your seed with a password (or use a split seed) and write this password in your will left at a notary or in a sealed envelope given to relatives. You can also schedule a mail to her birthday for example, and cancel it every year if you are not dead or amnesiac, or you can simply use a service that allow your heirs or trusted people to access your datas after your death or after being inactive during a specified amount of time, like
this one for example.
Don't you think it would be unfair that he tries to target your wife or your children instead of you, because he knows or he thinks you are the kind of guy sharing your crypto seed with his family and it will be easier to use social engineering tricks on them or worse things than that?
If someone knows enough about you to target you for your bitcoin holdings, they aren't going to care if your spouse does or does not know your wallet passwords, the location of your back ups, etc. They will be quite happy to kidnap and hit either of you until one of you tells them what they want to know.
As I said previously,
this is part of the reason I argue so strongly for good privacy. If no else knows you own bitcoin, then you are less of a target. But at the same time I trust my wife not to tell everyone she meets that we hold bitcoin, just as I trust her not to tell everyone she meets our credit card details.
[/quote]Well unfortunately there is not only one way to use violence for extorting money or informations from people. Anyway I'm not sure people are kidnapped and tortured everyday for this purpose, but I'm sure people are scammed everyday, so IMO there are more chances for your spouse to be scammed than being kidnapped thankfully. So what will you do, if someone is able to imitate your voice and ask her by phone to immediately send all your funds to a given address because you've been hacked and you are away, for example?