I think there's an enormous opportunity in an "open network" of cosigners. Co-signers-as-a-service can offer their services and users can decide which cosigners to subscribe to based on security, speed, trust, and other criteria.

Unchained recently launched a "enterprise custody network" where they choose the cosigners. The Smart Vaults network can achieve similar outcomes without the counterparty in the middle deciding who can and can't serve as a cosigner.