As I understand, this is not supposed to happen with standard wallets, am I right? Has anybody run into this scenario? If so, how did you resolve the problem?
Creating a multisig wallet with Electrum.
Multisig wallet was release in 2015, with Electrum 2.0 version, so if you create your wallet with Electrum in 2018, it's high chance that you did created a multisig wallet.
Electrum releases version 2.0 with 2FA, Multisig wallets and more.
See release note for 2.0 version.
* Support for Multisig wallets using parallel BIP32 derivations and
P2SH addresses ("2 of 2", "2 of 3").