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.
You know there is a difference between granting knowledge and being able to access your wallet. I don't see risk in giving my security prompts to a family member because it won't just be anyone, it has to be someone to trust, trust is to an extent but regardless there should someone who knows a lot about you and giving those Bitcoin security prompt isn't going to hurt. I prefer planning my will when my portfolio is holding a significant amount.
If you grant a trusted family member like your child or wife or husband knowledge to your wallet details is same as granting them access to the prompts into your wallet. Nothing different about that. Well, you don't wish to see it as a risk but it still doesn't take the fact away that we have allowed a third party access to our wallet even though it's a family member we trust. Humans do change and are unpredictable in the next moment about what circumstances can make them do or not. However, we can't help but to have someone we can trust in securing our funds in our abrupt absence.