You can then convert your Bitcoin (or Litecoin) to Monero possibly using a BTC/XMR exchange service or simply a service like shapeshift.io or Changelly which are really convenient to use and supply first rate rates. The negatives I listed appear to be a lot more theoretical than real life. https://financefeeds.com/coinw-taps-coincover-for-non-custodial-disaster-recovery-solution/