3-of-3 creates a single-point-of-failure. 2-of-3 eliminates a single-point-of-failure such as a typo in a passphrase, which is essentially a 2-of-2. One minor mistake and you will hodl forever.
If yo...
You can have both: a 3 of 3 that becomes a 2 of 3 after a timelock. #Liana can build it.