Threat model aside, I think expecting people to maintain multiple PGP keys, do multi-key encryption, and geographically distribute those keys is probably less p

Threat model aside, I think expecting people to maintain multiple PGP keys, do multi-key encryption, and geographically distribute those keys is probably less practical than writing their pin down. 99% of users are probably better served by Tarsnap and its ilk than attempting to roll this kind of thing themselves.