Yes, 2 is the best choice. I have recent experiences. We have the idea (3 founders), we started our works but suddenly we are having face some problem. Two is free and one is busy with something else -- it started happening frequently. Two are technically skilled and one is business guy. But over our before to born our startups, we had to close everything. Because, it's not the way. Also, see the history, the million dollar companies like Google, Yahoo, HP and so on companies. Also, checkout youtube.com (3 founders) there were communication/ jawad has time issues) -- though it was million dollar company, just becuase of the dedication of two others founders :). It doesn't happen all the time.
Do you think, Libya has secured DNS management. Check this news, it happened in our country, http://techcrunch.com/2011/01/08/google-bangladesh-hacked/. If it happen again with payment.ly for the careless management of Libya? In that case, people will lost the trust. So, what about that?