Idea for a Bitcoin wallet backup service that is non-custodial and fully respects self-sovereignty and privacy

The ethos of Bitcoin is "Not your keys, not your coins." But the terrifying reality for most people is: "Lose your keys, lose your life savings." We are biological beings. We forget passwords, our houses catch fire, we make mistakes, and eventually, we die. Humans are messy, and that’s okay. Banks were originally invented to solve this problem—to provide physical security for our assets when we couldn't protect them ourselves. Today, we reject banks because of custody and censorship risks. But what if we could use the Bank's infrastructure (Identity Verification) without giving them Custody of our coins? I have thought of a protocol architecture that uses BitVM , Smart Contracts , and Bank Wire Memos to create a non-custodial backup system. It allows for inheritance, recovery, and protection against both hackers and rogue companies. This same concept can be applied to protect the user's Nostr keys, or for that matter, any confidential information. I want to share the architecture and t