We go to great lengths to protect our private keys and seed phrases. Cold wallets, metal backups, multi-sig setups... we lock everything down so no one but us has access. That’s great for security — but what if you suddenly die or fall into a coma? Would your spouse, kids, or family be able to access your crypto?
When we carefully have a thought on these unprepared but inevitable events that are beyond our control it becomes a necessity to grant knowledge to a single family member, someone we can trust about certain important security details to our asset. It's just a risk we have to unavoidably take in avoidance of the risk of losing our assets forever in the case of sudden death or anything as close to death.