This is a very good point. If you want to allow somebody else to be able to access your wallet, especially in the case where you are no longer able to, you should be sure they are aware of how your security system is configured and where to find all the pieces to safely access it. For crypto, you would also want to have directions on how to actually sell the coins since it's unlikely that the people who would be helping in the case of a death would know, and you don't want to leave it up to a stranger online.

There are many ways to create a password that can be figured out by a specific person. Leave a note that says "The secret word is: the restaurant we met at + the year your aunt was born". Don't use sensitive information like SSNs. The note could be stored in a location outlined by your security diagram.

Another way is to avoid using a weak password like this and simply split the password into locations that you and your spouse only have physical access to, like a safety deposit box and a home safe.