Yeah your actually correct but from my observation similar to what Jay said, selling off your gold to Bitcoin is actually a wise decision but the security of your key phrases are are not guaranteed because loosing the key is equal as losing your money and even if you should entrust it to someone, what are the chances that he will not scam you and made away with your money but the safest way is to keep it at your only reach were no one has access to except you.
I entrusted the key to healing to the right person, namely my own wife. Because our original goal was to collect Bitcoins for my young son's future so that when he grows up he will have an inheritance. So far, that's all we've done together as one of the legacies we can give. Because of that, we have considered many things, starting from securing the recovery seed, etc. Do as much as possible in a safe way only the two of us know.
Regardless of how we have done it, we still realize that we are not fully able to invest regularly, sometimes we can only afford it once a week, once a month or even once every 2 months, depending on the available money after which basic needs are met.