Just a matter of fact that we have lost of 4 Million bitcoins today out of which 30% is due to reason that people have either lost their private keys or they have died without handing over their private keys to their future generations. This is really horrible considering that bitcoin is still quite new if more and more people continue to do such things we will lose a great share out of the 21 Million Supply.
This is the only advanrage that the Bitcoin is not worth saving assets than the Banks because when someone died, all their assets will be handed to their families because the banks can be override or can be negotiated due to some unfortunate events but Bitcoin isn't.
Lost your wallets keys or died without backup and handing over the keys will be the most embarrassing.