I recommend to everyone to take their 12 words, write em 3 times on a piece of paper, cut it into 9 pieces and hide them in places only you’d know
This problem is harder if you want to pass on your crypto after you can't use them anymore.
If you want to enable recovery, you should give ownership of things to smart contracts, which enable things like succession rules and a heatbeat checkin etc.
Public/private keys are not designed to solve that kind of governance problem.