So if you lose access to one of the keys you hold, and need the emergency one, they could royally fick you In a lawless scenario
Even in a Contractual world, Companies change there TOS without notice all the fucking time Unchained Capital use to charge $25 flat to gain access to your emergency key Now they charge $250 a year
In a lawless scenario, everything is dangerous. Spending bitcoin will be dangerous. The word will get out that you have it, and then anything could happen to you and yours.