High Heel King on Nostr: 1 and 2 are solved by making sufficient backups. 3 is irrelevant because we are using ...

1 and 2 are solved by making sufficient backups.

3 is irrelevant because we are using passphrases.

4 is a trust thing. If the person who would be inheriting the sats can't be trusted to not steal everything from you, maybe they don't deserve them. Alternatively, maybe you only reveal a portion of your stack (emphasis again on having multiple wallets).

There are no perfect solutions, only different approaches.