I think people ideologically like the concept of "doing it for free" and "volunteering" which are noble enough pursuits in isolation, but in reality when you're talking about something with long-term, thankless work where you're often put into adversarial positions with your own self-interest, it's just logical that people should and need to be compensated for that work. If they aren't, then it breeds resentment over time and leads to a system ripe for abuse.

So what's the best case scenario with the way things have been done previously? You have overworked people constantly being beaten down for nothing other than the privilege of serving and self martyrdom? Or maybe they quit and look after their own self interests which leaves you in a pickle trying to pick up where they left off. Or worst case scenario, they rob you blind either intentionally or through negligence and mismanagement.

While having the mandatory 3 person signatures may end up being a pain in the ass and it may lead to some or all of you quitting when you reach an impasse, I think it's an improvement to handing out money with no accountability. How absurd would it be if people had to make a proposal and convince the people invested in the chain that it is worthwhile to be spending money that is literally debt against their own token value.