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?
Seed phrase is a key that allows you to accept a wallet and transfer all the cryptos in it. The person you have a good relationship with today may not have a good relationship with tomorrow. But this SEED phrase can never be changed. That is why it should not be shared with anyone as long as you are alive. Family members are very close but when it comes to money, everyone hesitates to ruin the relationship. When you give control of your entire wealth to someone, they start neglecting you. So you should always keep power of the money in your hands as long as you live.