This seems to be the train of thought behind Bitkey. I imagine a bunch of smart product people sitting in a room asking, "How cheap and easy can we make multisig?"

I know current bitcoiners love to hate Bitkey, but the alternative can't be to turn everyone into a cypherpunk. Protecting oneself needs to be asymmetrically easier than attacking someone if self-custody is to become normal. Cryptography is made of such asymmetries and we need to bring that asymmetry to the human layer of bitcoin.

I'm not endorsing Bitkey, but I'm happy Bitkey is iterating on this problem.