Both these ideas are terrible ideas.

Give me a solid anchor and a lever that is long enough and I can move the earth.

The problem of all modern crypto technos is 1) CPU burnt for crypto is a nice lever for DOS (and not all our mails require crypto, seriously 60% is spam) 2) they do not solve the 2 general problem

Yes 2 auth/Channels factors seems nice. The problem they stay on the same plane. It is 2 inbound channels.

You know when USA engineers last thought it was smart, kiddies learnt to use a 1$ cpt crunch whistle to phone for free all around the world.

Actually I don't mind, I am broke and totally will love free whatever the stuff that this kind of engineering will offer me.