Depressing? I don't think so, in fact it's instructive, as it talks about something that people commonly hate, and being sure who benefits from that if we die is something to think about.

But one thing I don't agree with is, if you work and work and gather good money in crypto, why not use it to enjoy with your family? I know the savings thing and that in the future it will be worth more, but if you die probably your family will enjoy that money. And why not you with them now? of course with this I don't mean that you have to squander it all, I mean that in saving and saving we lose sight that the most important thing is to spend time with the ones you love, and although money is important to support a family, it is never the main thing.