This is what I had in mind. And it can scale to any "n of m" you want, without any if the downsides if multisig wallets (namely larger transactions, and more co

This is what I had in mind. And it can scale to any "n of m" you want, without any if the downsides if multisig wallets (namely larger transactions, and more complex Bitcoin wallets required) 2 of 2, 3 of 5, 7 of 10, etc...