Majority still dey store their coins dem for exchange which e no too safe, although incase your body dey do you somehow like sickness me I no go mind send all my coins den go exchange and give my people dem details as e go dey easier to claim dem their by just withdrawing than to start to dey teach dem how to operate personal wallet. Wetin una think?
In my opinion, exchanges no that safe, the best na to still just keep the coins for noncustodial wallet. I dey do all my possible best to make sure say my family around me know waiting seed phrase be, the best wallets the seed phrase can be imported to, how they can spend from it, and how dey fit exchange the coins on exchanges.
Like if someone get Pikin already, a 15 year old no go find the thing hard to do. If someone get wife already, she go dey learn in a way she may not even know say I dey teach her something, she go get everything about seed phrase and how to spend bitcoin. Waiting she need na just the seed phrase, all will be perfectly be handled.
For example, someone wife can ask of money, you can just send her bitcoin, telling her to open an exchange, spend ham there. You can help her out the first and second time, teaching her how the thing go be and how to avoid scammers. The same thing goes to children, teaching them rightly from when they are small about scam and how to avoid them and yet spend bitcoin easily.
If you no hide all these things, I think e no go be problem to get access to the Bitcoin using seed phrase.
E even possible say you can create multisig wallet, having the family soenfing Bitcoin there, telling them the risk if losing seed phrase and how they should avoid scammers and also provide telling them how their digital signature dey important when we want spend. If they know all these, to finally get access to the main coins wey someone get, only by making the seed phrase available would be enough.
Make we educate people we wan pass our coins to about how to save and spend crypto, using noncustododial wallet is still the best way to go about this.