Could you write down your private keys into a Will and leave it with a solicitor? That way the keys will be safe until such time as you pass away. The Will could include instructions on how to obtain the money (or the solicitors could help with the process).

Whilst you are alive you then have the security of knowing that your wife / daughter / son / etc will either not loose the keys, have them stolen, or just "use" the money for themselves.

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