I have relatively technically incompetent family members, but my will instructs them to talk to any of 3 different technically competent friends that I trust (ideally more than 1 of them, all together in person with my estate providing funds for it) to guide them through shit like crypto private keys, password managers and encrypted archives that I could never imagine my very normal sister or mother dealing with. I check in with my friends every year to make sure that they're OK with the arrangement still, and the reason it's 3 is in case I'm involved in some kind of accident with 1 or more of them.

If by some freak accident all 4 of us die at once (at a bachelor party or something), I trust my heirs' competency to find someone who can guide them through it. I specify more than 1 because while I trust all the technical advisers, shit like gambling addiction can happen that I don't know about.

In return, I'm written in to help with similar circumstances for them.

The hard part is setting this up, but now it's just an annual email.