Gee, that got pretty dark. We are just comparing options here. Physical things are easier to get from you. It's hard to argue otherwise since information can be represented as a physical thing, but it gives you more options. You can split your private key between 5 friends you trust and make 3 of 5 required (+ password why not) and in general get pretty creative.

If you are spending a week in a cold dirty room etc., and especially if some gov got you there, I don't think it matters much how guilty you are or what wealth do you have. They own you.