Oddbean

I think when someone just bought their first 100k sats is the best time to teach "ultimately, you're responsible for protecting your keys". Conversely, "Don't worry. If you screw up, your spouse might be able to bail you out." seems like the beginning of forming bad habits.

I think that's a little like saying that using training wheels is setting people up for not being able to ride a bike. I think making the presumption that learning and taking responsibility aren't incremental processes (when i think there's ample evidence that it is like any other learning process) is a great way to just get a lot of people to be too afraid to take the first step, imo.

Hmmm.. I'm not sure that relying on shared custody does much to teach self custody. Using training wheels does in fact teach balance to ride a bike. Regardless, if I don't want people too afraid to take the first step, I'm suggesting something like a singlesig wallet app on the phone they likely already own; not purchasing at least a 2nd signing device (either for themself and/or their spouse) in addition to having to sign up for some sort of assisted custody wallet service. Remember, the premise here is that we're only talking about a mere 100k sats at first. I think most newbies on the fence about dabbling in so little would be completely turned off by any relatively significant additional investment and enrollment process just to do so. Learning can certainly be an incremental process. That process ought to be learn singlesig; then you can learn multisig, imo.