You have if/then statements that act as a clause allowing you to bypass that system for that specific person. Since all identity will be intrinsically built into the system, you can hypothetically initiate this bypass mechanism which would require multiple associated wallets to confirm that that particular wallets owner has become incapacitated and can't fu-fill their duty as an authenticator to your wallet.

I don't have any specifics on what that type of mechanism would look like (I'm just spitballing), but it's a something that definitely is interesting to think about. Maybe that mechanism randomly selects wallets that have no known correlation to your own and ask those individuals to confirm that the specified person is incapacitated. Since those people wouldn't have any stake in your transaction (allowing it to go through or preventing it from going through), they would be incentivized to be truthful.

Edit: to add to this last thought, maybe the wallet requesting the incapacitation confirmation is abstracted from the users confirming the incapacitation. The wallet essentially probes other active wallets and requests them to confirm that person is incapacitated without revealing who is requesting the information. this could help prevent collusion