2of2 is reasonable for individuals but 2of3 is for govs?

I would say 2of2 is a lot less secure than single sig for individuals. You just doubled the chance to lose all your bitcoins since it's all gone if you lose a single key.

bitcoin

RE: Andreas Antonopoulos - MultiSig is NOT the best option for most people

frostdragon

Hey may be incorrectly reasoning correct facts.

Facts being:

The #1 threat to your Bitcoin is you. 
Multisig set-ups make you even more dangerous.

Now, compromised devices may be the next consideration. Only assuming all best practices wrt that are satisfied, 2 of 2 becomes a reasonable next step for the individual.

2 of 3 is for more of a governance or inheritance scheme. What's in question is the term "individual". 