@ETF BTC but that's... the thing. I can't expect my heir to learn multisig, and the whole point was to avoid hiring an escrow =)
even if you were high-end expert you still shouldn't have to be using scripts that you write by hand. there should always be a user friendly tool where it takes the inputs needed for creation of the script and then returns the final transaction. for example to use the escrow (m of n multisig) script you can use the user friendly wallet called Electrum where you just import your master keys and m, the wallet does everything else.
otherwise it would not only take a lot of time but also you may easily make a lot of mistakes. for example as an experiment and also to answer a question i recently created a script using OP_CLV and send some funds to it on testnet and then spent them. the whole thing took me about 1.5 hours and i messed up the first time and lost the first coins, they are now locked forever!!! here is the link:
https://bitcointalk.org/index.php?topic=5205451.msg53211121#msg53211121I guess, this process is what I mean by a "smart contract" or dapp (trust me I hate using those words)... I have used such an escrow smart contract (not on Bitcoin but on an alt client) and it was breathtakingly straightforward, the whole thing gave instructions so I never even needed a manual...
But you're right, and that's why, even if it is quite simple to see and achieve as you and others demonstrate, it is still risky enough for someone like me to attempt with serious amounts. As it is, even simple transactions take me some minutes to double triple check!;)