I agree, totally no brainer. Security through making things so annoying that even the guy that is supposed to login, just doesn't any longer. In fact I agree so much with you, we should go even farther. I propose a service where you have to sprinkle some drops of blood in you keyboard every 5 minutes. If you fail to do so, all your accounts will be permanently deleted.

Or wait, I got an even better one; We will go to the house of each person on the planet and destroy their computer--there's you absolute security right there. No BrAiNeR.