I know you're facilitating a conversation about key discipline, and I don't mean to derail you from that, but it's not clear that the problem here was really an

I know you're facilitating a conversation about key discipline, and I don't mean to derail you from that, but it's not clear that the problem here was really an inaccessible wallet. You can read the Ontario government report on it [1]. Cotten was treating all customer deposits as ostensibly a single asset pool, paying expenses and customer withdrawals out of the same pot, using that same pot to speculate on bitcoin on external exchanges, and using fake accounts to boost volume or liquidity. When Bitcoin crashed in 2017 he had way more BTC and way less CAD than his customers were owed and had paid much more for it than he could sell it for. It was a classic Ponzi scheme. Add in all of the money he had spent on personal assets out of the same pot and there is no need to speculate about a mythical missing wallet. They found 4 paper cold wallets and all of them were empty, presumably because the contents had been sold to pay other customers. [1] https://www.osc.ca/quadrigacxreport/ https://www.osc.ca/quadrigacxreport/