Fair Point.
For larger Values i would use an Multisign-Wallet with 2 out of four.
• At home
• At the Bank
• By an friend
• With your last will at a notary

if you whant to use - Home/Bank or Home/Friend

If you Die ists enough to get the last will from your notary and go to the bank - no need for the friend or to find the hidden one at your home.