-snip-
If you are on a life and death situation then most likely people would really love to live on which giving out their coins would really be that their main choice but there would really be people who would really be fighting for that certain situation yet they dont really like to lose all of the coins that they were accumulating hard for how many years which they dont really like ending up on that way.
There are options to get around this so you don't lose all your bitcoin - I mean, don't store all your bitcoin in one wallet. This advice has been mention thousands of times on this forum and some people may still ignore it. I'm sure some of your bitcoin will safe in any case as the OP fears or in the event of a hack - so of course the advice is very useful.
The main point is - don't keep all your eggs in one basket, this advice will save you from losing all your bitcoins due to unwanted cases. So we may need to practice it in our daily life.