Well, those problems can be solved. But with an SMT market that will require capital, a system to secure that capital is IMO needed so we dont end up like bitshares without liquidity because people prefer bittrex with 2FA locked in instead of holding coins on the internal marketplace which is only a lost active key away from being stolen...
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It is recommended to use multisig wherever possible in SMT whitepaper.
Very good point. Even bitconnect has 2FA.