Upon death you get a rare tax benefit called stepped up basis (https://anthonyspark.com/e135-what-does-stepped-up-basis-mean/)

So your heirs won’t owe any capital gains tax (https://anthonyspark.com/e266-bitcoin-taxes-during-probate/)

Yes, all this governmental risks are serious. But risk of catastrophic accidental loss, especially during the hectic months after someone dies, is a much greater risk.