Holding a smaller amount wouldn’t be about distributed multisig, it would be about service based multisig. 

I’m not saying there is one size or one setup, I’m saying that the various levels of security and self custody should be met with different kinds of multisig.

In the case of someone who just bought 100k sats, maybe it’s a 2/3 with their phone, their spouse (or another device), and the wallet provider? 

——

I just think the design mentality should be “so what multisig would be best for this user’s situation and skill level?” 🤔