Legal reasons, almost certainly. I don't know about Finland or Germany or EU specifically, but it seems likely they have "money transmitter" requirements to com

Legal reasons, almost certainly. I don't know about Finland or Germany or EU specifically, but it seems likely they have "money transmitter" requirements to combat money laundering. I doubt the regulators and/or law know or care much about multi-sig transactions. If they touch money changing hands, they almost certainly have to comply. You can't move money without the government's permission, you know. Very naughty.