Right....because if you have your money in a bank, being beaten to an inch of your life, the kidnappers still can't get the money.....

Kinda like a multi-sig, but also at the end of the day you still have to choose between your life and money, and actually, there are some circumstances where someone might pick money, like if they know their wife and their mom will use their keys in the multi-sig to take care of your kids.