Agree. Many people that report loosing their #bitcoin is due to user error and to complex of a system. It’s 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.

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Passphrase

how about if you had a spouse or inheritor, would you share the single sig with them or would you rather multisig with them?

I would have no problem sharing the single sig information. This is just my opinion though