Hi

My 2-of-3 vault I'm trying to set consists of:
- a Desktop electrum at one house
- a Trezor at another house
- a Mobile phone electrum (most of the time on me)

So, that's already quite an organization when you want to send some BTC from this 2-of-3 multisig.
But each of them has by default: a passphrase (or a PIN for the Trezor), a words seed. So, you multiply by 3 the cumbersomeness of this configuration.
Can I spare myself all of those? What do you think?

Thanks!

Yes, it looks very good on paper: Keep your bitcoin and get fiat to buy a house for example. But...

- You lose complete ownership on your BTC. What prevents some companies with funny names ("YouHodler" - seriously! - ) and created only 2 years ago to escape with your BTC?
- the LTV (the amount of BTC you need to put as collateral) is usually 100% of the loan!
- AND you pay also interest rate on that: So the lender gets your bitcoins (that he can borrow to others) + the interest rate that you gave him!
- Not to mention that if the price of Bitcoin decreases, you have to increase the amount of BTC put as collateral.
Imagine taking a loan and each month the lender asks you for your month salary and alters your loan if he detected that your salary has decreased (even if you pay the interest rate correctly)!

Bitcoin-backed loans are really insane and they make no sense at all!
I guess that's because there is not enough competition on this market for the moment but I don't understand how someone with a sane mind can purchase this for a start.

It's something which seems crucial to me for reaching mass adoption (in addition to scalabilty of course...).
Already on this forum there is a shitload of people losing their Bitcoins by forgetting passphrases, the private keys, the dat file etc...
So I would like to know what technological solutions could be proposed for this problem.

To make a comparison, a lot of people are forgetting their credit card code (even if it's only 4 digits...) or losing the card and the centralized solution to this is the bank providing new card/code.

Which decentralized solutions to this problems could you think of?