I think this is when you need to evaluate your thread scenario. A) self-made crypto accessible through web or browser that any cracker can find through www and use machine clusters to run on or AI to work on etc. B) physical home invasion that are interested in one of your A4 papers with some random words that have only meaning to you and few trustees.

Well, there's power of attorney, which centralizes massive authority over your life with someone else, and yet people do so because when you pick right, it's a useful system.

I'm trying to think of how this survives friends (who come and go in your life) having to coordinate. Then again, some people really did have PGP key signing parties...