I hope those guys have been paid out, it was a long process that required some form of input every 2-3 years, be it KYC, selecting how to be paid, etc. Im sure alot of BTC will go unclaimed.
My guess would be on Hal Finney as well to be honest. I'd leave his family to mourn, im sure they have pulled the house apart looking for those private keys, they've been thorough enough, lol.
I hope they got their payout as well and yeah it sounds like a lot of hurdles over the years.
I've always felt like it was Hal and because of his health he wanted to protect his family because he knew he wouldn't be around.