Only a couple need to be into cryptography. You can setup so than N-of-M keys work, so that you're resilient to M-N losing their key You can have 2-of-20 which

Only a couple need to be into cryptography. You can setup so than N-of-M keys work, so that you're resilient to M-N losing their key You can have 2-of-20 which encrypts an encrypted blob whose key you share in your will