is not being able to convert to fiat before I die and then it all just sitting gathering dust in some far off corner of dead Hive accounts..
I think there are a few like this - so make sure you have gateways you can use set up, even if you don't plan non using them yet.
Right now my wife knows where to find the keys, so now all I need is to set up the KYC account for me and one for her, as a just in case scenario.