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Why not both? With something like Liana, you can have, for example, your single-sig wallet and an optional 2-of-3 multi-sig recovery path that only becomes active if you don't transact for a year. Lost your key? Sucks, but you can still get your funds by waiting a year.
interesting...would require at least some action each year which may not be ideal for some who just want to forget about it for a long time, but definitely could be a good option for others
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