In Future if we create the AI version / digital clone of ourself
Do you think we could pass on our btc to them when we die
Instead of just giving our bitcoin to just our family they may not use them wisely
What makes you confident enough to think that AI is going to make good wise decisions that is consistent with your values when you were alive?
There is no guarantee for it. Your AI may get hacked. It may break down, get stolen and even worse develop its mind on it own and decide that what the master wanted is not what they want because as a machine they have an intelligent power.
What do you think could AI become our digital clone & financial manager after the death How would that even work in that case
That would not work. There is a risk to it.