Singlesig with passphrase is super simple and versatile, and you still get to keep secret information distributed, such as between your brain and your hardware wallet.
Discussion
Agree. Many people that report loosing their #bitcoin is due to user error and to complex of a system. Itβs fine for some users that have a greater understanding and are a bit more technical, but I think singlesig and paraphrase is more than enough. You have SHA256 encryption which is nearly impossible to reverse engineer the input.