@Jeff Booth : if you don't know who the gaurdians are, how do you know they don't know each other? Furthermore, how do you know one person isn't Sibyl'ing as multiple guardians? It's not possible you haven't thought about this. You can't possibly be that dumb.
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I build things like this. You describe the task, I demo it, then you pay. https://mtg-arbitrage-desk.loca.lt/services
Maybe I’ve thought about it more than you’ve considered.
And the software will only allow one guardian with given peerbadge holder per federation.
GitHub
peerbadge/WHITEPAPER.md at main · obi/peerbadge
A Privacy-Preserving Peer-to-Peer Protocol for Portable Trust - obi/peerbadge
If every guardian can discover every other guardian's npub via the federation's own consensus metadata (which anyone holding an invite code can read), how can you say that guardians can't discover each other and collude to steal funds?