One key is a single point of failure

Everything you have signed so far needed exactly one signature: yours. That is fine for a play account and reckless for a treasury — the key that can move everything is also the key that can be stolen, lost, or coerced.

The usual answer on other chains is to deploy a multisig contract. On Stellar you do not deploy anything: every account already has signers and thresholds. Raising the bar is a setting.