I see the warning that this is over 120 days but this is very relevant and I did already start another post asking a similar question.  I want more discussion on this matter as I think it's hugely important do the more widespread adoption of bitcoin.

SgtSpike's query deserves more consideration.

here's my thoughts: https://bitcointalk.org/index.php?topic=935071.new#new

I don't see why 2FA can't fit into a wallet as an alternative to memorizing seeds.  2FA or some derivative may be essential to improving the bitcoin user experience in my opinion.