for example 1 wallet with 3 owners. If you somebody wants to withdrawal funds all 3 owners needs to agree, before the transactions gets filled.
In exchanges, the responsibility is always individual, it is entirely with your bank account, as you are the only one who controls the money, but it will not be difficult for them to include custodians in managing the account, especially in commercial accounts, but I do not think that a platform applies such a concept to individual accounts.
Some blockchains have smart contracts and then decentralized platforms can develop rules and conditions like this, but can I ask what is the importance of such an option? Digital currencies transfer decentralization to one individual and therefore such use will be limited.