Yeah it is hard to consider the person on the other end when we all strive to be so invisible.

I will look into this. I was thinking of some sort of way to have the hardware master vault on multi-sig, but each watch only wallet under the same master seed phrase + whatever private password phrase they choose and no multi sig.

If that could happen then I think most of what I want can happen. They could use the hardware wallet to access their vault under their passphrase to spend funds. The main family vault on the hardware wallet could not be spent by the individual but the balance should be viewable and xpubs exportable so all family members can still verify funds in the main vault are good.

The only missing piece of this would be the fact that all funds are separate and members would need to contribute to the main vault rather than the sum of everyone's balance be apart of it.

I definitely have a vision in my head on how to solve that last piece but there is no way I could do it on my own. It will require building a wallet from the ground up.

Ordered some hardware wallets to see if I can at least execute on everything else though.