I get it. People should be aware of the entire story. If they are, go for it. Have fun. Not my cheese.

I have a better picture of multisig after that discussion. Ta. In this case, if one party holds two of three, there is no protection against collusion. Aren't there smart contracts where the only way the borrowers bitcoin can be liquidated is if they don't make a payment. And if the agreement is upheld to term, the bitcoin is automatically returned to the borrower? With human intervention, to release the value of a bitcoin stash with full peace of mind , as you mentioned in another thread - spend the btc or sell it for fiat and spend it.