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With bitcoin you are your own bank. That has consequences. It means that you are responsible for the security of your money. People are not really use to that. It is something you really need to internalize when you hold your own bitcoin. You need to consider both how you will recover your bitcoin if you lose your wallet (backups), and how your heirs will access your bitcoin if something happens to you (succession planning). Services are starting to become available that provide these services using multisig wallets, but they are expensive.