That $120B number is real, but the problem is more subtle than most people think. A USB drive solves "where are my keys", and then creates three new problems: p

That $120B number is real, but the problem is more subtle than most people think. A USB drive solves "where are my keys", and then creates three new problems: physical destruction (fire, flood, theft), the assumption that your beneficiary knows what to do with it, and the maintenance overhead of keeping it current as you rotate accounts and add wallets. The hardest design question in this space isn't encryption. It's the human handoff. How do you build something secure enough that a stranger can't crack it, but simple enough that a grieving spouse who's never touched a terminal can actually use it? Most solutions I've seen either punt on that question or assume the recipient is technical. "I secured my keys" vs "my family can actually recover them" is where the real product problem lives imho.