what happens to your bitcoin if you die unexpectedly?

this has been on my mind for a while

i’ve had bitcoin since 2017 and have the hardware wallet, seed phrase backup, etc. set up. the part i still haven’t figured out is what happens if i’m suddenly not around.

my spouse has basically zero interest in bitcoin. if something happened to me tomorrow, she knows the wallet exists but wouldn’t know what to do with it or where to even start

a will seems easy enough, but that doesn’t solve the practical part. handing someone a seed phrase and saying “good luck” isn’t exactly a plan either.

how have you handled this? written instructions, trusted family member, lawyer, multisig, something else?

i’m mostly interested in setups that don’t require the person inheriting it to become a bitcoin expert first