I don't know how 3/5 multisig with collaborative custody would be less safe by orders of magnitude. At this point we'd both need to go do extensive research at

I don't know how 3/5 multisig with collaborative custody would be less safe by orders of magnitude. At this point we'd both need to go do extensive research at the levels of a full time job to really prove one way or the other. Suffice it to say we disagree and you seem to have much more trust in institutions than I.