In fairness this method of personalized custody is more federated than the federatoor projects (federated custody is a hoax, there's no such thing technically speaking)

But it's still the wrong way to think about it...

First, a multi-path payment is not for multiple senders/recipients, you cannot split one 20k invoice into 5 recipient accounts (prisms are also a hoax, its just a custodial re-transmission)

Second, any account cannot be withdrawn on down to 0 because Lightning necessitates routing fees held in reserve, so you'll just end up with dust in all 5 accounts and bloating your effective fee rates 500%... very inefficient.

Third, consider that current designs are completely backwards and that's why it's all niche and doesn't work very well.

Debit-based design like NWC (and SN's new wallet direction, sadly) are irrational products derived from the theatrics of wanting to be perceived as non-custodial, despite still being completely trusted and achieving nothing but vanity.

If you take those backwards and unprincipled designs and sprinkle in overt and randomized custody like mints, it becomes even more of a mess.

This is why in ShockWallet we've laid the foundation for accounts, not because you'll diversify custodians for its own sake, but because you will maintain credit at services you use regularly and implicitly trust with a budget that may used automatically. If you give a service a budget, it's retarded to force it to debit remotely, you will just park it at that service.

Sats may accumulate at some services, or get drawn down, and that's where your wallet can offer automation to maintain thosse... not by every service having to reach into countless potentially unreliable sources.