Another point about this is what people want to be buried with....personally I'd rather leave my jewelry and my Bible to my granddaughter but I have seen some people buried with them. You never know what a person wants to do, until you ask.
It's gone forever then, and it could be a wonderful family treasure to be handed down, and cherished.
We have had the kids in the family draw pictures to "grandma/grandpa" - and a family picture, a note of love...
It's very personal, and also if people want to be buried with their jewelry...they should know that it could be stolen, once the family leaves the cemetary.