Why is multisig even a necessary solution?
It's not for 99% of people. What needs to stop is this convoluted idea that more keys is more secure for individuals cold storage. It's not.
Discussion
Multi sig is for anyone that doesn’t want to have a single point of failure. There are many products and services that make this user friendly.
Just because you have one key doesn't mean you have 1 point of failure You can keep a single key and multiple spots. multi-Sig arguably is the single point of failure are missing one of any of the keys You have failed