Have no convenient means of verifying integrity of custodians
So I scatter my crypto between exchanges and keep the bulk in private wallets. I encrypt the access codes of various forms and share them with multiple trusted parties/executors.
Come to think of it, I do this with my non-crypto assets too.
But as far as crypto goes, the whole point is to retain control. Trustless, right? Ultimately, one must trust others to function, and cryptocurrency merely provides a mechanism to temporarily withdraw one's assets from the mortal plane. Even this is illusory because the value is imparted by the faith of the living.