Even if it is a smart concept, I think it is too complicated. Not for you of course :-)
I think if Steemit is supposed to be not restricted to nerds, but for a very broad mass of people, security enhancements need to get much simpler.
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Yeah, this isn't as ideal as having 2FA on chain, but it's a good stop gap for now. And it also has the added benefit of protecting all of the other accounts you use with your password manager.