The problem of seeds is obviously crucial. Can we imagine being the one and only person who knows what to do with these 12/24 words? How to keep them safe, but also how to pass them on to heirs or friends (so that they know what to do with them?). Informing others while preserving your own security can be a real challenge in some countries.
And then there's betrayal, divorce etc...
What are the solutions?
An important question, everyone who has bitcoin should face it one day, and the difficulty is how much we can trust at least one, the closest person. On the one hand, if you do not trust, then you should not live together, on the other hand, betrayals happen quite often and the reason is most often money, so these fears are not unfounded. I think that everything is very individual here, I trust my wife, so she knows everything about my investments, because if something happens to me, I will be sorry that all this will go away with me, let it remain with my family.