Also, keep a copy of everything with a trusted lawyer who can execute your will (if you are on this forum, you can mostly likely afford one). Hardware and software can fail, don’t put all your faith in automated systems.
...what?
I think it's ignorant to assume that everyone on hacker news lives in a developed country and makes a lot of money. The statement was completely unnecessary, and could've been much more useful if it instead said "if you can afford one".