Sounds like bitcoin is kinda centralized to a handfull of maintainers who hold the keys. What happens if they all die in a car crash or become dictators?
Where do you get such negative thoughts? Well, yes, you can't rule out this option completely, but it's unlikely. Most likely, even for such a case there is an "emergency" protocol that will help you sort out such a situation if it does happen. In the meantime, I strongly recommend that you don't think about it and set yourself up for a more positive motive.