A multi-signature wallet is safe, but you have to trust other people a lot. These days many people don't have people they can trust. One of the advantages of having several wallets is that in the event of a robbery or theft you'll only be left without one.
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I've never done a multi-signature wallet, but from what you're saying, in practical terms (number of seeds and passes) it's almost the same. Is the pass smaller than the seed?
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