Could a keyless, 2FA-enabled smart contract wallet actually stop most crypto hacks?

Over the last few years, I’ve seen too many stories of people losing funds to hacks and phishing. Private keys are unforgiving — one mistake and it’s gone.

I’ve been exploring whether a new type of smart contract wallet could make self-custody safer without giving up control. The idea would be to replace the “single private key” model with:

• 🔑 Keyless, on-chain passkey login (no seed phrase to lose)
• 📲 Built-in 2FA (extra layer before confirming transfers)
• 🛟 Recovery options (so losing a device isn’t the end)
• 💸 Transfer limits (stop large hacks instantly)
• 🔐 YubiKey / hardware key support (phishing-resistant approvals)

My question:

• Would you actually use a wallet like this, or does the extra security feel like too much friction?
• What would be the dealbreaker for you, cost, UX, or trust in the smart contract itself?

Curious to hear both from everyday users and devs who’ve worked on wallet security.