> they coordinate with a quorum of these guardians

Hmmm, that sounds like it would fail outright in some severe edge cases.

For example mass casualty events (fire, earthquake, war, etc) that only leaves a few survivors.

Definitely.

Those events require special government attention and cost anyway.

Getting Grandma's taxes paid? Not so much. Or: shouldn't!

(The idea is to remove as much user and support burden as possible, not solve societies woes, haha)