There is no collusion, that’s the point of multi-sig, it’s akin to voting powers. You can use multisig yourself too: ie you can use a key you remember, or the

There is no collusion, that’s the point of multi-sig, it’s akin to voting powers. You can use multisig yourself too: ie you can use a key you remember, or the one in your safe. Along with a key in your phone. So two out of three. If someone gets the key in your safe, he can’t access your coins (he’ll need your phone too).