Often thought of the same thing. So leaving this comment here in case someone got a good solution that don’t involve big tech.

When I get the time my plan is to read up on big techs solutions, fx Google and Apple, who as I understand can give your family access under certain conditions if your’ve passed.

EDIT: And replicate their solution using FOSS / self hosting.

Microsoft is a privacy nightmare though.

If you care at all about privacy I wouldn’t reccomned M365. Because: Schrems II and MS use your information for their own purpose, and in effect is not compliant with fx GDPR.

Duplicati to Hetzner storage. Working on replacing duplaicati with Borg. Because mono.