Something about having to change the owner key creeps me out
Me too lol 😆 I've changed it in the past when my account value wasn't much, I wish to change it agains but been reluctant to make the move.
You mentioned your keys should something happen to you, that is an aspect mostly ignored in crypto which requires giving attention.
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Inheritance is something I worry about as my family is not too interested in crypto. If I were sick, I would consider cashing out, just in case. But, if it is sudden, they might have trouble getting access.