Those of you who clicked "nobody" I feel sorry for you. At the end of the day, we are all going to die. This is not a matter of opinion, but unfortunately a matter of fact. We don't know when the day with our maker will come, but it's coming.
Establish a will or trust, it's a simple as that!
Some people don't use to think about emergency in their life, such as death, hospitalized, and kidnapp to pay some of big amount of money for ransom, and if you don't tell your husband or children were the seeds phrase is, you know what will happen next. Those that said nobody to tell their seeds phrase will be afraid of what will happen if they tell their husband or child were the seeds phrase is in the house and what will happen when crisis occur.
Make sure you have someone you trust in your family, you can trust and tell about your seeds phrase and were to locate the seed phrase when he or she pass out from this world, and your efforts to achieve those coins will not be in Vail.
Technically you don't need to tell anyone. You can put in place safeguards to where until your death occurs, no one will know shit. Now that could mean through an establishment of a trust, a will that you keep with your attorney/their firm..and of course will know of your passing and can then reach out to those listed in the estate and call them in for a sit down for a beneficiary disbursement of assets, you can use technology and established safe guards of these kinds to keep things very tight.
Not to mention, if you don't have anyone to leave whatever you have to..it takes a cold heart and a sick mind not to want to at least pass that wealth on to a favorite charity (don't have one, find one, can't...well again, ya got some serious issues).
You make some great points.