This would be my plan if I had over $100,000 worth of BTC (may happen in a few years)
Have a wallet with 24 seed words + passphrase.
Split 24 words into 3 safety deposit boxes so that if one bank is burned or bankrupt, you can still put the 24 seed words together with 2 safety deposit boxes. (aka 2 of 3 is need). The passphrase is kept everywhere because on its own it means nothing. I would put it in Google Drive and share with family.
24 seed word split
Bank 1 –> 1-16 words
Bank 2 –> 9-24 words
Bank 3 –> 1-8, 17-24 words
My thinking is that a lawyer, who is a greedy human being will not be able to grap the 24 words and make it work without the passphrase. Also, family with the passphrase but no 24 words is useless.
bitcoin to the moon