Thank you for your replies, they make a lot of sense.
Please bare with me, I have no expertise whatsoever in this field and I might be missing the whole point, but about 2FA and raising the bar for the hackers I have another suggestion to add a security layer to the login process :
What about a feature to allow offline printing of paper-based two-factor authentication directly from the client ? Of course in case the printer would be compromised it would not solve any security issues, but I don't see how it could break decentralization.
Also, can't MultiSig be achieved on a mere usb key instead of a second device?
(On a side note : 100 $ may not sound much to most of us, however it's a great deal of money for third world countries where people often don't have access to banking systems in the first place and where cryptocurrencies, even in the slightest amount, are a blessing).