Once again. That is an optional addition that is not necessary for the rest of the proposal to work. The time frames could also be adjusted, if the community even cares to implement that additional change in the first place.
Furthermore, a properly set up account would not allow the account to be destroyed by hitting the blockchain-enforced global inactivity limit. They would set it up so that their beneficiaries could inherit the account and funds instead. Those trusted beneficiaries could then hold on to the account and funds, if the owner was really in a coma, until either the original owner got out of the coma (and they transfer the account and funds back to them), or the original owner dies, in which case the beneficiaries get to spend the funds since they would then legally own it.
I think regardless of what people do, they will always be in the danger of something happening.
Unfortunatly we dont want to believe in it until that happens to us. Now people might be smiling all about it, but when something happens, and you have X dollars in your account, but all your loved once can do is just "congratulate" you on that fact, is useless.