...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.
No. I envision the client displaying the unfreeze code visually and you copying it down old school paper and pencil to defeat keyloggers. At least this would be one option for the paranoid, like me.