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Based on handling support tickets for several years: the #1 reason people lock themselves out of their wallets is forgotten passphrases.
For multisig wallets, it's pretty standard practice now that you must absolutely back up the wallet configuration file (BSMS or Output Descriptors format). Eliminate most of the issues you listed.
Thank you, this is great information, about forgotten passphrases being the #1 reason people lock themselves out of their wallets.
Very good to know, I wouldn't have guessed that.
I didn't think about the wallet configuration file (what I believe in Sparrow is called Script Policy Descriptor) being similar to the Multisig wallet configuration file. It makes sense.
What other interesting tidbits of info do you have from handling support tickets?
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