This is a solved problem in crypto and having even a billion in a single wallet is fine. That’s why multi-sig were created, it’s used more as a redundancy mechanism than a voting one.
Having not worked for a crypto company, curious what the standard best practices are for securing the "keys to the kingdom" (literally).
You can use multisig yourself too: ie you can use a key you remember, or the one in your safe. Along with a key in your phone. So two out of three. If someone gets the key in your safe, he can’t access your coins (he’ll need your phone too).
Contrast this with how easily this could have been resolved in the financial systems which are actually used and you get an immediate appreciation of how valuable it is to have a way to handle human error in systems used by humans.