mlts22 - I am not sure what you are speaking of, but... That sounds at least a little like something we had in our company in the olden days before the internet. You could use it 24/7, but there was hardware involved. If I was on the road and I wanted to gain access to my company's computers I could do so, but a code was required. It was a random number generator that gave me and the company's computers the same rather complex number simultaneously. If I did not input that exact number ASAP, I was denied. Get denied again, and you were SOL. Not user friendly to say the least.
Maybe user friendly and secure just do not go together, even for the pros like Apple.