...WE NEED AN ACCOUNT FREEZE CODE CAPABILITY A USER CAN LOAD INTO THE BLOCKCHAIN AS A PAID MESSAGE THAT ALL NODES WILL RECOGNIZE AND REJECT ALL TRANSACTIONS OUT OF THIS ACCOUNT UNTIL A USER REVERSES IT AND TURNS IT OFF WITH A SECOND PASSWORD...
in my eyes this doesn't add any security level. if your account pw got stolen, the second pw would also have been stolen.
there's no defence against keyloggers. this applies to regular banking more or less also.
it's also not unsafer than bitcoin, because your wallet.dat can be stolen equally.