Comment by aforwardslash

5 out of 7 means you cannot be in an eg. car accident with more than 2 of them at a time, if there is the possibility of all of them present in the car not surviving.

Im also quite more practical - there are responsabilities that may go beyond a simple memory loss - eg. If one is in a coma or just hospitalized for a long period of time; trusted third parties may require access to your accounts even for simple stuff like paying bills/rent/cloud services.