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What I always wished for is a different scheme or maybe a protocol:
  • in my wallet I provide inheritance_address_A for my next of kin, inheritance_address_B for another person and then inheritance_address_SERVICE as a last resort
  • if I don't check/use the wallet for 5 years, then all coins get automatically sent to inheritance_address_A of my next of kin
  • if the next of kin doesn't check/use the wallet for 5 years, then the coins get sent to inheritance_address_B
  • if the inheritance_address_B doesn't check/use wallet it is sent to inheritance_address_SERVICE
  • this somehow contacts the public SERVICE (that I preselected) and that handles my estate and inheritance.
Ideally I'd be able to predefine this whole scheme ahead of time and every time I send/receive coins in my wallet it would always do this by default. It would be great if the receivers A and B don't know ahead of time how much bitcoin they will get and it would be great if the SERVICE can only unlock my "will" details at the point when they receive the coins in the end. It would be great if I can set up this scheme for anyone in my family and the wallets sort of default to this (i.e. when creating the wallet, every wallet should ask you about what's the backup address).
There could be a market of services (like SERVICE) that provide these inheritance capabilities, maybe I could send encrypted "will" to this service and they can only unlock it when they receive the coins 10 years from now - and then it would be great if the scheme verifies that the SERVICE is not stealing the money (some form of ZK proof maybe).
Overall I believe that this should be the default for all wallets - so no coins are ever lost again. In the worst case scenario / last point they get donated to some charity of your choice or marked as "anyone can spend" and they go to miners.