You seem to be missing the point. Once your wallet.dat file is compromised, then your attacker can just load it in one of the many existing Bitcoin clients. And you can't hardcode those suggested "features" into the wallet.dat file itself without making it incompatible with other Bitcoin clients. Hackers can hack both wallet.dat files and Bitcoin clients. Those are 2 different things.
i meant put the settings in the block chain somehow, just like the balance is stored on the chain not in wallet file.
the miners look at the rules for an address before they do the transaction
it could work like this
create a new address with your rules, you get given a rule key and private key
rule key you write down its not stored on the computer
so, its a little bit like cold storage, but still usable in a convenient way
so even your wallet got compromised by a hacker, they can only steal what your rule allows
so then you wanna change your rules, create a new address and use the rule key to unlock the address and transfer to the new one