Depending on how much you trust your government, bank, and judicial system, inability for them to access your money after your death is a feature, not a bug, because it means they also can't easily block or steal it during your life.
It's also illegal to transact (but seemingly not to hold?) cryptocurrency in China, which makes it risky to use. You'd have to trust your counterparty not to leak your location to the authorities. https://www.weforum.org/agenda/2022/01/what-s-behind-china-s...
(A conspiracy theory I have no evidence for but might believe is that the US has been very tolerant of cryptocurrency and stablecoins for the same reason as China bans them: enabling capital flight from China to the US.)
As people in China who have had their bank accounts frozen for months, and now their health status flagged red when they were planning to protest, are finding out, https://www.cnn.com/2022/06/15/china/china-zhengzhou-bank-fr...
Minorities in America have historically faced similar challenges of unfair treatment under the justice system.