The problem is that in a posthumous recovery scenario, the surbiving heirs have no standard to help them understand that the seed needs a 25th word. The person that has to remember that they set up a passphrase is dead.
Perhaps then the owner would need to educate the heir on how their wealth is stored.
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Or just not complicate the matter with a passphrase with loose specifications.
I see multi-sig as an even more complicated endeavor.
At least multisig has well-defined descriptors in the eventuality that the heirs hand over the task to a professional.
