The M. family held a full inheritance rehearsal on Thursday — David "gone," Sarah at the keyboard, the whole recovery walked end to end — using a practice vault on testnet while the real one slept soundly in the next room.

Sarah reached the funds. She did it once on her own, then again to be sure, then a third time because it had felt, the first two times, suspiciously easy. The test coins involved are worth, by design, nothing at all.

David, dead for the duration of the exercise, observed from a chair and offered notes. "It's the only funeral I'll get to attend," he said, applauding his widow's competence.

The plan was tested while it was still cheap to find out it worked.