What would happen to your coins if you were to die in the next three hours? Would they be lost forever? Would your relatives be able to recover them? Descriptors, timelocks, taproot. 0% custodians.
We don’t like custodians. Not your keys, not your coins.
Self-custody of Bitcoin is hard. Making sure that your relatives can access your coin after your death, but can’t steal them before your death, is even harder.
…You’ll have to listen to my talk to find out. Sorry, no spoilers!