Two-factor authentication exacerbates the problem. Now, instead of one thing that can go wrong causing you to lose your bitcoins (loss of the wallet), there are three things -- loss of the wallet, loss of the password, and loss of the second factor.
Well, I'm not suggesting that you be forced to use any method. If you want to continue to use the current wallet.dat as is, then go ahead, I could care less what happens to your wallet or anyone else's for that matter. All I'm saying/asking, is give us some options, so if I'm okay with having more points of failure (loss of the wallet, loss of the password, and loss of the second factor), then I have those options to choose from. Because as is right now, I don't have ANY other options.