Do you self custody if you have a wife and kids?

My wife is not tech savvy at all. She is the type who can't find her phone and never remembers to charge it. So I have to constantly call to help find it, but of course it's always on silent so she still can't find it.

If I pass away, there's no way that she'll be able to self custody. She won't know where to find the seed phrase or what to do with it. So I plan to sell all my crypto in the next year or so. In the next crypto winter, I will just buy either the ETF or BTC on Fidelity to make it easy for everyone. I feel like I'm more likely to lose my crypto by getting my wallet drained or losing the seed phrase than from Fidelity locking me out of my account. If I pass away, my wife will easily access my Fidelity funds.