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Either shuffling those keys stored in N different deposit boxes is overly complicated for a normal person, or it is not overly complicated for a moderately dedicated baddie either

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Unless the "baddie" in this case is the government, why would it be easy for anyone to obtain access to multiple secrets stored in multiple boxes/banks?

Multisig is a pretty common setup for crypto and there is software that makes it easier.

Can you show how it can be easy to use in normal life for a regular person and at the same time really difficult for the attacker?:)

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