It is a real problem that also has other possible complications.

For example, cases of bitcoin irreversibly lost following the crash of a hard disk on which an owner had stored his access keys without providing an appropriate backup are known.

In the case of death, the problem is similar but in my opinion it is similar in many other cases.

For example if I died tomorrow, the current accounts that manage and that are accessible through various password and token instructions, will have difficulty being opened for example by my son and heir. In this case, perhaps, the situation is less complex as it still involves the banking procedures that will assist him to manage that money.

In the case of bitcoin no: lost or unknown access keys, impossible to access money.

Consequently, a specific password management discipline and an appropriately encrypted and perhaps divided between two people file, which contains all the necessary all the inherited bitcoins, is absolutely necessary.

Perhaps some wallets, there are also several hardware, already planned of this type.