To make sure I understand: you're suggesting hardware two-factor authentication for bitcoin/lightning apps?

E.g. if I signed into Stacker News, I'd be prompted to provide a two-factor authentication code?

There's nothing stopping bitcoin/lightning apps from implementing 2FA, I imagine it's pretty low on most roadmaps though.

If people want to secure their bitcoin they're better off using a hardware wallet than relying on 2FA in an app, wallet or otherwise.