Multisig - co-ordinators are software wallet based, Sparrow etc.
What it there was a physical device like a blockclock in which you could plug 3 signers into (or scan) to create a wallet. Plugging stuff in is more intuitive than doing it all via software for the next wave of bitcoiners (boomers). The device could back up the wallet to the cloud once created to retrieve if the device is lost, bricked etc