If you use multiple services each with a piece of Shamir’s secret you are more protected. You can get more sophisticated with this if you want e.g each piece ca

If you use multiple services each with a piece of Shamir’s secret you are more protected. You can get more sophisticated with this if you want e.g each piece can be xored or encrypted with a value only that person would know e.g their birthday or their fav food. Being your own secure bank isn’t a trivial task. Hopefully this can get easier in the future