I would hate to be in a situation where anyone could profit billions of dollars if I die or can't access a computer. People have certainly been murdered for less money than that.
You are putting a huge incentive on DOXing people. If you know when an account holder dies or goes on vacation and others don't, you can take all their money.
I think it's the other way around. No harm happens if the coins are unclaimed. They're out of circulation, similar to what happens when countries destroy currency.
Satoshi has effectively 380 tons of gold worth of btc.
His wealth is about 1/10 the amount stored in Fort Knox. And that's just one guy. What of the criminal empires and corrupt politicians who have their wealth stashed away in wallets? There's easily hundreds of billions of dollars of lost money out there.
All that money going back into the system destabilizes it. Imagine someone saves up all their lives for 10 btc, then some guy just drops 1000 btc on a house like it was nothing. Pretty soon, there's inflation, and the prices (vs other currencies) plummet.
This is all theoretical, but the reality is that there's no harm if nobody gets the coins.
