No really. Multisig is a total overkill for most. It's more probably they lose money if they fuck up the multisig setup than whatever hack with literally any HW wallet they would use.
Discussion
Multisig is very simple
Until you lose the unlock script.
Which isn't itself inherently sensitive information and is therefore far easier to back up than your xpriv or mnemonic phrase.
It's easy to mess up with inadequate education, sure. As is anything about handling Bitcoin.
Designing custody around what the biggest retards in society will do ensures that you end up with a retarded custody model.
Nope. Retarded people need simple.
I can use whatever design I want.
That's the beauty of bitcoin. You don't design anything for everyone. Everyone can use whatever design they want.
I'm saying this is a non existent problem. Basically any hw wallet will serve 80% of users and the 20% should not design their custody based on podcast ads anyway and will invest time to do it right, because it matters.
What I don't agree with is pushing normies into some hardcore multisig or airgap when a simple Trezor will do a much better job for them. They would for sure not audit transaction psbts, even if there was a tool for it. Whatever is currently out there is good enough.
Being up front about trade offs isn't pushing.
Honestly if not for the lack of screen I'd recommend Bitkey to most novices for the model they have, AND share the drawbacks of it. And share the security model of the Coldcard plus third party multisig, and the fumble risks.
The whole space could use less marketing and more education.
Only reason I'd say Coldcard rather than say, Krux is the convenience factor too. Long term hodling where coins go in but not out much is probably better off on the DIY approach anyway. Spend the saved cash on more sats.
And beyond all that, better if retarded people get less retarded than finding ways to keep them retarded.
People shouldn't learn whatever you consider important. A farmer saving in BTC should not waste time learning to audit psbts, it will literally give them zero value. They should use whatever open source hw wallet, ideally one that will keep stablecoins as well (no coldcard, it also isn't FOSS). He makes steaks and milk and people who are interested and good in computer security make wallets.
No reason for a farmer to make DIY wallets either.
I see this tendency often that people should learn whatever someone considers important. The beauty of Bitcoin is you can go as deep as you want. If people get self custody and non KYC, they're already much better off than most people and that's good enough. Now go make the 🥩.
The farmer's an amusing example given how not specialized they get. They're tractor mechanics, experts on meteorology, botanical wizzes, learned on the life cycle of pests from insects to birds, and successful traders on the futures markets.
They're the last people I'd worry about not being up to a little bit of handling their money to regain sovereignty.
And again, I'm not opposed to there being easier methods that cut corners. I'm opposed to them being positioned as not having any compromises in design. Marketing.