First of all, sorry for the bad English, I'm using a translator.

It's late 2024 and the problem persists. I found your perspective quite interesting.

My point is that at some point, you need to trust something/someone.

I've been thinking about making a disaster recovery plan (especially in case I become incapacitated), with the main passwords/keys on paper and giving a copy to my wife and one to my brother-in-law (who knows IT and can help with data recovery).

In addition to the copy at my house (which would be inaccessible in a disaster), my idea is to make a copy of essential data (ID documents, access keys, copy of the bitwarden database and things like that) at my mother's house, using a raspberry pi.

Use a site-to-site VPN and perform automatic backups of the data to her house and check this periodically (and especially when changing passwords/registering for sensitive services, such as banking and government).

This way, if something happens to me, my wife can easily access everything she needs (or if I get locked out, I can recover).

Without the data, the letter will be of no use to my brother-in-law. Likewise, if my mother's house is robbed and the Raspberry Pi is stolen, the data is encrypted (and I can change the passwords/access keys so that the stolen data becomes useless).