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Thank you for sharing your thoughts.

Machankura clans fits well, for (banki mkhonde) for those without a smartphone or in areas without internet connection. Otherwise, multi-sig is the best way if smartphone and internet connection is available.
There's so many choices to choose from Bitcoin-only multi-sig wallets.
For Machankura Wallet, there's a dedicated USSD code for each country, so in Malawi: *384*8333*0265#, works.