I have an idea I want to discuss (and maybe turn it into a proposal I'm willing to work on), apologize for the long text ahead but, I've been thinking about implementing 2FA for Decrediton lately (as nicely outlined here - https://docs.decred.org/faq/wallets-and-seeds/ - it doesn't help to make your Decrediton funds more secure) but rather simple 2 of 2 multisig based one (it's also better than your typical 2FA security-wise).
There's even an old ticket about it - decred/decrediton#2147, the gist of it is: having significant portion of your wealth tied to single secret if far from ideal (and in case of Decrediton, while many might not realize it, your seed is almost as good as your password - meaning if you pick small length password you don't want somebody to get hold of your encrypted dcrwallet data, which can happen if your laptop gets stolen). Hardware wallets help a bit, but you have to trust the device and staking is not supported yet. Ideally for cold storage somebody would