So I was watching a BTC piece on Bloomberg West show today which polled the audience in regard to their trust in BTC after the gox collapse, which was an overall pretty negative piece. This has pushed me to finally ask, you, the experts:

since each coin has a 'unique id' of sorts, why isnt there an app/extension of wallet software that 'locks' coins to an account or wallet (ie. locks them ultimately to an end user) which means they are not transferable until the account holder unlocks them.

Basically, my idea is that a BTC holder who is scared of losing BTC from hacks or Mtgox style losses (which seems to be the majority of bloomberg viewers), why cant they lock their specific coins to their account so that they cannot be transmitted to another account with out the user unlocking them (ie the blockchain system would simply reject the particular coins attempted to being processed until they became unlocked from their account - maybe i misunderstood how blockchain works exactly?)... the lock could be opened with a phone call/escrow like human to human system with verbal passwords (or whatever 2/3 factor level security desired by the user or that the company is prepared to offer), but the crux is that the coins are essentially untransferable from the holders account, even with the usual account username/pw access (be it wallet or exchange etc). They need to be unchained from the user account to actually be used.

Obviously this would only be appealing to hoaders/savers or people simply nervous about security who dont spend their BTC too fast or very often (for this type of user they could unlock one coin at a time as they need it, or have low level lock on them - say simple email verification unlock).

It could be the shot in the arm the BTC world needs to get more mainstream support as it would really show how much safer it could be compared to fiat.

If this is a million dollar idea and you steal it to get rich, please send me some donations:)
1LCpoQBWJNaM6MhuVvnAnJcUUcZkSNY3xp

Or if its just a noob rant then can someone explain to me why it doesnt work - technically speaking i mean, since the coins have unique ids and user accounts have unique ids why cant they just be locked together...?
Marketing wise, i think its a winning service that BTC holding companies (wallets, exchanges...) should offer, even though it somewhat undermines BTC improvements over fiat for transmission processing speed etc, i think it would get a lot of mainstream attention.

feedback please, thanks!