Split into T-of-N shares
A seed phrase has two ways to ruin you. Lose it — fire, flood, a forgotten drawer — and the coins are gone forever. Let one copy leak, and they’re stolen. A single backup can’t fix both; protecting against loss usually means more copies, and more copies means more ways to leak.
Your secret is split into N shares so that any T of them reconstruct it, and fewer than T reveal nothing at all. Spread three shares across two family members and a cloud, require any two — now no single lost share loses the keys, and no single stolen share gives them up.