Except wrench attacks exist.

Many people these days so comfortable that the've forgotten how physical violence works.

Go back in time and ask a gold miner during the california gold rush how he feels about the invention of banks. Imagine the fear walking around the wild west with all the cash you got back for your gold in your pockets, and for months or years until you can get back home.

And no, wrench attackers don't give up and say "oh shucks" when you inform them you're on some multi-sig arrangement.