that could be a good idea to prevent people losing nxt.
like the sender can put in a timelimit for the buyer to accept and if he doens't the transaction is not executed.
Kinda like in any online game that requires a group. You have to get verification for groups and such, Someone sends an invite -> other person accepts the invite. If the other person doesn't accept then the invite is cancelled.
Would definitely help with accounts of no owners. Add that to the two step verification. Click to "Send" -> (Gives you a review your order page) Click "Confirm to Send". So at least they can get verification of who/how much being sent to whom.
This morning when I looked it was not their, the address I sent to was wrong and now it is sitting in some random account I cannot get to 13643712185318669838.
I still don't understand how/when the hacker was able to input a different receiving account.

This is trivial if u know the passphrase.
I thought the owner said he sent a transaction to a certain account, but the NXT went to a different one.
...sorry if this is smacking me in the face and I still don't see it...
Yes correct. I was sending it to my second account, had the right account number etc. and it went to this random account.