Comment by tmpfs

We care about this porblem and are actively working on it, like the OP we also settled on shamirs secret sharing with a time lock mechanism.

However, there is still the issue of the service provider going offline or out of business which we don't have a solution for yet.

We have started with a good password manager and will be adding digital inheritance/social recovery soon! [0]

Take a look, thoughts and feedback welcome.

[0]: https://saveoursecrets.com